Your Personal Bank: Recent Episodes

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Pimco released a report recently and stated stocks haven’t looked this expensive relative to bonds in nearly 25 years.

Bonds look better than they have for a long time.

Pimco states "The traditional world order — in which economics shaped politics — has been turned on its head,” according to a new five-year Pimco outlook co-written by Richard Clarida, now a global economic adviser at Pimco and formerly a Federal Reserve vice chair from 2018 to 2022.

“Politics is now driving economics, especially in the U.S. and increasingly in how other countries respond.”

Pimco recommends investors should start taking advantage of the highest returns in decades offered by fixed assets rather than chasing stocks at elevated valuations.

I have recognized politics and government policies significantly affect our economy and our money for several years. This is why I share this info on my radio show.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it is too late to fix this. But this level of spending is unsustainable. The interest on the debt is currently about 25% of total government revenues and is rising rapidly. If you apply for a mortgage, you won't qualify if your debt to income ratio is above 30%. The interest on the debt is projected to increase to about 30% of government revenues in 5-7 years. The Trump administration is relying on future growth to fix the problem. Future growth is likely but not guaranteed. Spending cuts would definitely fix the problem. They would also help improve future growth. You already know this. If you have too much debt, you reduce expenses. If you can increase income, even better. Washington is the only place where common sense is considered radical. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer. Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it is too late to fix this. But this level of spending is unsustainable. The interest on the debt is currently about 25% of total government revenues and is rising rapidly. If you apply for a mortgage, you won't qualify if your debt to income ratio is above 30%. The interest on the debt is projected to increase to about 30% of government revenues in 5-7 years. The Trump administration is relying on future growth to fix the problem. Future growth is likely but not guaranteed. Spending cuts would definitely fix the problem. They would also help improve future growth. You already know this. If you have too much debt, you reduce expenses. If you can increase income, even better. Washington is the only place where common sense is considered radical.

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Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement. The financial industry ran with this recommendation ever since. JP Morgan projects the following on a typical portfolio: Withdrawal Rate Likelihood of not running out of Money 3% 95 - 100% 4% 85 - 90% 5% 65 - 70% 6% 40 - 45% If you increase your withdrawal rate, your likelihood of success decreases significantly. Current Guaranteed Lifetime Income withdrawal rates: - Age 65: 7.5% guaranteed for life - Age 75: 8.5% guaranteed for life - Rates increase if you are older You can increase your income significantly with 100% likelihood of success. You cannot outlive your income. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary concern is the increasing level of government debt. As a result, the 30-year treasury bond yields rose to 5%. This is the highest level since 2007. Bond buyers will demand higher interest (yield) to purchase government bands due to the increased risk. Bond yields and higher borrowing costs will be higher until the government addresses fiscal responsibility. Higher bond yields are one of the greatest threats to stock market asset values. Many large institutional investors shift their investments from the stock market to the bond market to lock in long term cash flow. 30-year treasury yields at 5% are a common benchmark for institutional investors to shift. The 4% withdrawal rule is widely recommended to ensure you don't run out of money in retirement with a high likelihood of success. If you increase your withdrawal rate to 5%, your likelihood of success decreases significantly. Current Guaranteed Lifetime Income withdrawal rates: - Age 65: 7.5% guaranteed for life - Age 75: 8.5% guaranteed for life - Rates increase as you are older You can increase your income significantly with 100% likelihood of success. You cannot outlive your income. Higher bond yields increase fixed asset returns. Insurance dividends, annuity, and guaranteed lifetime income returns are expected to increase for the next 5-10 years. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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China and the US have agreed to pause the 145% US tariffs and 125% Chinese tariffs for 90 days while they negotiate an agreement. If the high tariff rates had gone into effect, it would have been similar to a trade embargo. Both countries have realized a trade embargo would be devastating to both economies. The US imports about 5 times more from China than China imports from the US. The US is the largest purchasing economy in the world. The buyer has the power. This gives the US a powerful position in this situation. We finally have a president that understands the strength of the US economy and is acting accordingly. I am encouraged that the Trump administration will be able to negotiate a strong trade policy with China. Certainly better than the trade agreements for the past several decades. In the meantime, there will likely be volatility until a trade deal with China is completed. The Trump administration wants to complete a deal quickly. China historically takes a very slow, deliberate, and methodical approach. The volatility could be over fairly quickly or could extend for a long period. Currently, there is no way to predict. In the meantime, it would be wise to protect your investments and reduce your risk to the downside. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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Many companies and people focus on a number to achieve a comfortable retirement. Retirement is not about obtaining a number. It is about cash flow. The 4% withdrawal rate is often recommended to ensure you don't run out of money with a high degree of certainty. Guaranteed Lifetime Income products provide 5-7% withdrawal rates guaranteed for life depending on your age. The older you are, the higher the withdrawal rate. This would increase income for most retirees 25 - 75% guaranteed for life. This ensures you don't run out of money in retirement. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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The 2025 Allianz Retirement Survey key findings: 64% of Americans worry more about running out of money in retirement than about death. The primary causes of their concerns are: - 54% cite the increased prices of goods due to inflation - 43% fear Social Security will not provide enough financial support as needed - 43% state high taxes negatively impact their economic situation Your withdrawal rate largely impacts the likelihood of success of not running out of money in retirement. The 4% withdrawal rate is often recommended by retirement experts for a high likelihood of success. According to multiple studies, if you initially withdraw 4% of your portfolio annually your likelihood of not running out of money after 35 years in retirement is 85-95% depending on your asset allocation. If you increase your withdrawal rate to 5%, your likelihood of success reduces to 45-70%. If you withdraw 6%, your likelihood of success drops to 10-55%. Many people respond to periods of market volatility by not looking at their account statements. Ignoring what is not going on is not an effective way to deal with challenges. If you have concerns about your financial situation, there are strong options available to increase returns safely, reduce market risk, increase withdrawal rates with guarantees, reduce taxes, and increase access to your money. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominate future technology.

China and the US are decoupling economically.

This is similar to the Cold War with the Soviet Union. That was a military conflict.

We are in the beginning of an Economic Cold War with China.

Divorces can be amicable or messy. So far, China is fighting back. This may take some time.

The primary question is how long will this take?

The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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The tariff policy is not just about tariffs. This is about economic power and control. China and the US want to dominant future technology.

China and the US are decoupling economically.

This is similar to the Cold War with the Soviet Union. That was a military conflict.

The US eventually won the Cold War by outspending the Soviet Union, but it took years. They tried to keep up military spending but were unable to keep up with the US military spending. The US economy was much larger than the Soviet Union's.

We are in the beginning of an Economic Cold War with China.

The US imports far more products from China than any other country. The US and China have significant financial entanglements.

Divorces can be amicable or messy. So far, China is fighting back. This may take some time.

The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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The stock market is moving up to 8-9% up and down daily. The volatility is stomach churning. The primary concern is tariffs. It is uncertain if China will agree to a fair trade deal. China exports five times more to the US than the US exports to China. Tariffs affect China far more than the US. They are at a significant disadvantage. Globalist free trade proponents promised they following: 1. Free trade would lead to fair trade policies. Nations would follow the rules to remain trading partners. 2. Oppressive regimes would become more democratic. 3. Low income, unskilled workers would create a robust middle class worldwide due to free trade. 4. The US would lose manufacturing jobs but there would be plenty of opportunities in the new economy. The globalist free trade advocates were horribly wrong. 1. China is famous for not following the rules, cheating, and stealing technology. 2. China is still communist and is more oppressive than a few decades ago. 3. Slave labor wages are still common around the world. A middle class does not exist in many countries. 4. Most Americans who lost manufacturing jobs never learned how to code. An entire region is known as the "Rust Belt". The American people never voted for this. Globalist free trade was foisted on us by a class of self-proclaimed elites. Independence is a founding principle of our country. A country that cannot produce what it needs is not independent. America cannot produce many of the things it invented. We are no longer self-reliant. The globalist free trade advocates were so wrong it is surprising anyone still listens to them. The top 10% own 88% of stocks in the US. The next 40% own 12% of stocks. The bottom 50% have debt. Lower energy prices benefit everyone. Cheaper gas impacts most Americans far more than a higher stock market. The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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The reciprocal tariff policy is about Fair Trade vs. Free Trade. Reciprocal tariffs will be calculated both the monetary and non-monetary totals.

The US will tariff the other country about half of the tariff charged to the US.

Non-tariff barriers are often worse.

• Currency manipulation

• VAT tax

• Export subsidies

• Counterfeit products

• Technology theft

• Subsidized dumping of products into our country designed to kill our industry.

Free trade policies have been used against the US to destroy our manufacturing capability.

• We lose jobs

• National security issue

Look at nearly any small town or rural area in America. Most are a hollow shell of what they once were.

• There are few jobs or opportunities available

• Most are depressed and run-down

• It has steadily gotten worse over the past few decades

• Destroyed American industry.

• An entire region is known as the rust belt.

The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer Please contact me with any questions.

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It was a period of unfettered optimism. Nearly everyone thought the sky was the limit, it was a new era, valuations didn’t matter. The only thing that mattered was how

much you put into it, because it was going to continue to climb. Recently, greed was at extreme levels.

Former Fed Chairman Alan Greenspan had warned about “irrational exuberance” in the stock market as early as 1996.

Investors ignored this warning. Instead, they increasingly fixated on the promise of the new technology. The current technology promise is AI.

The dot-com era was known for high valuations. Recently, the markets were at record valuations.

The markets peaked in early 2000. The ensuing bear market lasted more than 2 1/2 years.

The S&P 500 dropped 45%. The S&P 500 finally returned to the same levels in May 2007.

The Nasdaq-100 crashed 80%. The Nasdaq-100 took more than 15 years to return to its dot-com-era peak.

The 2000's became known as the "lost decade".

The Trump administration is changing decades of tariff policy. The transition will be volatile. If the current administration is successful, the long-term benefit for the US

will be tremendous for decades.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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Ironic that the advice always the same. Stay the course. Hang in the there. It will get better.

Yet, institutional investors, hedge funds, Warren Buffett have significantly reduced their exposure to stocks.

Hedge funds sold the highest percentage of stocks in early March 2025 since the 2020 COVID correction.

Warren Buffett sold the most stocks last year, both total amount and percentage, in his entire career.

The concern is the reciprocal tariffs that will take affect 4.2.25.

Even Trump has stated there will be a transition period.

The current administration is upending decades of economic status quo.

It is not Trump causing the uncertainty. The other countries’ responses are causing the uncertainty.

Markets hate uncertainty.

The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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The Trump administration wants:

1. Fair trade rather than free trade.

2. Many countries have taken advantage of the US for decades.

3. Reciprocal tariffs are fair, stop taking advantage of the US.

4. Making things in the US eliminates tariffs.

5. Bring manufacturing back to the US, build things again.

6. The US barely builds anything anymore.

7. Important for national security.

8. Increase good-paying jobs.

9. Reduce government spending

10. Causes inflation

11. Spending has exploded. Debt and deficit are unsustainable.

12. If allowed to continue, the US would go bankrupt. Economic chaos.

13. Eliminating waste, fraud, and theft help reduce spending.

14. The US is financially in trouble. Think of the current administration as a turn-around CEO.

15. Turn-arounds are challenging. Cuts have to happen. It can be ugly but is necessary.

The transition will be volatile. If the current administration is successful, the long-term benefit for the US will be tremendous for decades.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

• Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

• Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

• Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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Ishan shares his fascinating personal story. His first job was an insurance agent learning from Ferenc with Your Personal Bank. Ishan Patel, CEO/Founder of Audien Hearing was recently named top 3 entrepreneur of the year in the November 2024 Entrepreneur Magazine. https://www.entrepreneur.com/leadership/how-audien-is-revolutionizing-hearing-aids-for-1-million/481105 Ishan Patel was also a national finalist for Ernst and Young Entrepreneur of the Year.

Out of 1,100 nominated businesses, he placed top 40 in the nation and top 5 of all emerging businesses.

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Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even after you access the funds for other purposes.

Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds.

Typically, the interest or dividends earned are higher than the cost of borrowing funds. This creates positive cash flow on money that is spent! This is known as positive arbitrage.

You are able to earn interest on money spent each and nearly every year for the rest of your life. Positive arbitrage has typically been 2-3% annually for the past 40+ years. What if you earned 1-3% on money you spent each year? You would have significantly more money to live on for the rest of your life!

Why is this one of the best times to add Your Personal Bank to your portfolio?

Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.

When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.

Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.

This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.

Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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Steve Trang started the Real Estate Disruptors podcast in 2018 to inspire wholesalers and real estate agents to double their incomes by adding a second leg to their business – working together on investment properties. The podcast has grown to over 100,000 downloads per month and over 3 million YouTube views, with new guests sharing their success stories and imparting advice every week. As a sales coach, Steve has helped thousands of clients generate millions in sales over the past few years in a variety of industries. His Disruptors Selling System teaches salespeople to ethically work with customers to discover their true needs, then craft a solution that works for the customer. Steve is also a successful businessman. On top of owning single family rentals, he also owns apartments, co-founded a bank, and is a part-owner in several other businesses. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market. Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets. Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

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The amount of money wasted by the Federal Government is astounding. This level of waste is not incompetence, it is fraud. $2.7 trillion has been sent to recipients overseas who were not qualified to receive Social Security since 2003. This corruption has been happening for decades. Social Security is not going broke. It is being stolen. Just like any fraud, the thieves should be prosecuted, and the funds should be refunded to the victim. The victim in this case is the US taxpayer. The taxpayer deserves a break. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market. Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets. Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

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Most of Trump's executive orders are not changing anything. They are using common sense and moving the country back to it's foundational principles. The level of fraud and waste being exposed are shocking. This is a revolution of bureaucracy versus democracy. It is as significant as 1776 or the Civil War. This will likely result in a generational shift in how government operates. Citizens will demand transparency. After this, they will not accept massive waste of their tax dollars. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market. Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets. Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

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We specialize in the following financial products: 1. Your Personal Bank: High Cash Value - Whole and Indexed Universal Life insurance policies 2. Fixed and Index Annuities: grow your money without market risk, access to over 50 companies 3. Guaranteed Lifetime Income: create income you cannot outlive, often referred to as a private pension 4. Life Settlements: companies will buy your insurance policy, shop the best offers 5. Premium Finance: bank fund premium on a high cash value insurance policy on your behalf, can create tax-free asset without out-of-pocket cost Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market. Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets. Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored

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President Trump has signed many executive orders. Some of the challenges will be resolved quickly. Others will take more time. The federal debt will likely push yields and interest rates higher for several years. Ferenc shares why this is happening. When bonds mature, the government sells a new bond at the current interest rate. About $3T of the $36T of total debt matured in 2024. That was an all-time record. Almost no one is aware that about $7T of bands will mature and have to be sold in 2025. This will push bond yields, interest rates, and borrowing costs higher. Multi-trillion dollars of bonds will mature each year until 2030. Expect higher bond yields, interest rates, and borrowing costs for years. How to thrive in a higher bond yield environment : 1. Pay down debt, particularly high interest debt. Your Personal Bank can accelerate debt pay-off. 2. Reduce market risk. Higher bond yields are a risk to stock market returns. Higher cost of borrowing tends to reduce company profits. 3. Increase returns in fixed assets to maximize returns. Dividend paying insurance policies, annuities, and guaranteed lifetime income historically pay the highest returns in the fixed asset space. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market. Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets. Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

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Higher bond yields (interest rates) benefits savers and punishes borrowers. How to thrive in a higher bond yield environment : 1. Pay down debt, particularly high interest debt. Your Personal Bank can accelerate debt pay-off. 2. Reduce market risk. Higher bond yields are a risk to stock market returns. Higher cost of borrowing tends to reduce company profits. 3. Increase returns in fixed assets to maximize returns. Dividend paying insurance policies, annuities, and guaranteed lifetime income historically pay the highest returns in the fixed asset space. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market. Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets. Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

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Insurance dividends are 6%+ while policy loan rates are 5-5.3%. Dividend rates currently average about 1% higher than the cost of borrowing. Dividends are expected to increase for the next 3-5 years if not longer. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market. Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities than accumulation. These large institutional investors have the ability move markets. Historically, when the 10 year bond approaches a 5% yield, the stock market typically declines. The 10 year bond has recently increased to 4.7%. Mortgage rates are affected more by the 10 year bond than the Federal Reserve. 30 year fixed mortgage rates are typically the 10 year bond rate plus 2-3 points. Increasing bond rates equal increasing mortgage rates. We will likely see 8% 30 fixed mortgages as the norm soon. Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

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The primary cause of the Revolutionary War was taxation without representation. Today we have a government that taxes us then sends billions of dollars to other countries, many who hate us. Did you vote for this? Do you support this? Most American citizens do not. The border has been open for the past 4 years. Most Americans want a secure border. The recent election proved this. The government has been involved in endless wars for decades. Most Americans are against this, yet the majority of our representatives vote in favor of additional funding. Do you feel represented? Most Americans do not. The recent election provides hope for a smaller and more efficient government. If this happens, it will likely be the first time in human history a government voluntarily reduces its size and power. The establishment will not give up power easily. They have been taking advantage of the situation for a long time. Some of the problems we have as a country can be fixed rather quickly. The border can be closed. Illegals can be deported. We can stop funding other countries and supporting forever wars.

Other problems will take more time. You don’t pay down $36T of debt overnight. Even if the Trump administration does everything right financially and Elon and Vivek with DOGE reduce waste and increase efficiency, it may be years before the debt is reduced to healthy manageable levels.

What should we expect in 2025 and beyond? The longer-term future has the potential to be bright. We have some challenges to overcome over the next year or so before we get there. This will likely create volatility. Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

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Ferenc shares his popular annual successful goal setting message! He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life. Ferenc also shares the 4 steps to successfully accomplish goals. Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc's message. Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

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Ferenc gets personal and shares his story for the first time in his radio career! You will be captivated by Ferenc's extraordinary story. He shares the events that shaped his life and why he thinks the way he does. Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge. Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

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This is the best time to establish Guaranteed Lifetime Income in 42+ years! There are guaranteed lifetime products that offer up to a 30% bonus with a 8% guaranteed benefit increase annually. You can increase the income you receive in one year by 40%, guaranteed for life. Other products offer a 10% annual increase in your guaranteed lifetime income benefit. If you defer income for 7 years, you double your guaranteed lifetime income. The most common concern retirees have is running out of money before they run out of time. Guaranteed Lifetime Income is exactly what it sounds like. You cannot out-live the income. Pensions are a common example of guaranteed lifetime income. You can fund a "private pension". Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.

Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

View Details

Investors either don’t see risks or don’t care about them.

AI optimists are behaving like the investors who got burned in the Great Depression and dot-com bubble, Vanguard’s chief economist warns. The Stock Market Is Doing Something It's Never Done Before - Investors Could Be "Playing With Fire," According to Warren Buffett The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history. Blackrock, Goldmann Sachs, and Vanguard all predict low stock returns (3-5% annually) for the next decade. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.

Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

View Details

The US added $11.8 Trillion of debt since 2020. The government owes $108,000 for every American, man, woman, and child. Deficit spending as % of GDP is at World War 2 levels. 25% of government receipts pay interest on the debt annually. The massive debt will push interest rates upwards until the government starts paying down the debt significantly. This will increase the cost of purchasing autos and homes for most Americans. Americans have record household debt. Credit card and auto loans debt is at all time highs. The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history. Corporate insiders are selling shares at a record pace in the 4th quarter of 2024. Goldman Sachs states it is time for investors to diversify. Blackrock, Goldmann Sachs, and Vanguard all predict low stock returns (3-5% annually) for the next decade. Many financial experts are calling this the "golden age" of fixed investments. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.

Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

View Details

John Burley With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles.

John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings from multiple countries and a dozen different states. His was among the first ever companies to bring Single Family Home (SFH) Portfolio Real Estate to the Private Equity Community.

John is an International #1 Best Seller with over One Million Copies Sold. His books include: Money Secrets of the Rich and Powerful Changes. He has also produced over 100 books and audio programs during his career.

Because John is a Professional Investor, he makes his living actually DOING deals and not just teaching theory from the stage. The bottom line is: John walks his talk. For this reason, John is only available to speak at a few events per year, his last event for 2019 is November 1-3.

John greatly looks forward to sharing with you what you need to take your Real Estate Investing Business to the next level.

Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.

Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

View Details

• Warren Buffett has sold more stock this year than at any time in his career. - Berkshire Hathaway is sitting on the most cash in its history. - Warren Buffett did not purchase a penny in stock in the third quarter of 2024. - The Buffett Indicator shows US stocks are overvalued at 200% of GDP, one of the highest levels in history. Blackrock, Goldmann Sachs, and Vanguard all predict low stock returns (3-5% annually) for the next decade. Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.

Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

View Details

How will Trump administration policies affect our economy and money? Drill, Baby, Drill

Energy prices affect nearly every product we purchase. Higher energy costs increase prices and inflation.

Increased production will lower energy prices. Lower energy prices will reduce inflation.

Deport illegal immigrants

Total cost to transport, house, feed, and support estimated about $500 billion annually.

This money came from taxpayers and government money printing. This is inflationary.

The government money was being used to compete for food, clothing, housing, and everything we purchase.

Deporting illegal immigrants will reduce housing demand.

The US has a housing shortage. Allowing millions of people in the country when you have a housing shortage will drive up the cost of housing. They have to live somewhere.

Fewer people will reduce housing demand. Housing costs will likely decrease. The effect will be regional.

Think about Springfield, Ohio. The government moved about 30,000 Haitians into a town of about 50,000. Housing costs skyrocketed. What will happen if the Haitians are returned to Haiti? There will be thousands of empty homes and apartments. Prices will drop.

Stop endless wars

The US government spends far more than any other country on defense spending.

I am in favor of a strong military. Most Americans are against war unless necessary to defend ourselves or interests that are vital for our national security.

Excessive spending is inflationary. Wars are expensive. Defense contractors make lots of money from war. Nearly everyone else loses either in blood or money. Less spending would reduce inflation.

Dept of Government Efficiency – Elon Musk

Elon has stated he can reduce $2 trillion in annual spending.

2024 spent $6.75 T, revenues $4.9 T = $1.85 T deficit spending

Reducing government spending will reduce inflation.

Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.

Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.

Until the government starts paying down debt, bond interest rates will remain elevated.

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.

This creates an opportunity.

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!

View Details

The US Treasury Department plans to borrow an additional $1.37 Billion in the next 6 months. This will push the debt over $37 Trillion. Deficit spending is driving bond yields higher. This will continue as long as the government has significant debt.  Higher bond yields increase insurance policy dividends.     Multiple insurance companies have officially announced increased dividends for 2025! Most insurance experts predict dividends will continue to increase for the next 3-5 years up to the next 10 years. This is the best time to invest in high cash value insurance and annuities in 42+ years.     Wall Street is concerned the stock market may be on the cusp of another "lost decade". Goldman Sachs is now projecting a 3% annual return for the next decade. Nearly every leading economic indicator points to challenging economic times ahead.   Reducing market risk is important to thrive through volatility.  Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money. Your Personal Bank allows you to grow your money insured, guaranteed, tax-free, and highly liquid.

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Multiple insurance companies have officially announced increased dividends for 2025! Most insurance experts predict dividends will continue to increase for the next 3-5 years up to the next 10 years. This is the best time to invest in high cash value insurance and annuities in 42+ years. The stock market, bond market, gold, and mortgage rates are all up. The stock market is expecting a "soft landing". Nearly everything needs to go right economically to justify current stock prices. The bond market, gold market, and mortgage rates are assuming recession, higher than average inflation, or both in the near future. Both cannot be right. Nearly every leading economic indicator points to challenging economic times ahead. Wall Street is concerned the stock market may be on the cusp of another "lost decade". Goldman Sachs is now projecting a 3% annual return for the next decade. This is due to fact that prices have increased tremendously recently and the highest concentration of the top 10 companies in the S&P 500. Everyone agrees that we should expect volatility ahead. Reducing market risk is important to thrive through volatility. Your Personal Bank allows you to grow your money insured, guaranteed, tax-free, and highly liquid. Regardless of who wins this election, there is likely significant uncertainty and volatility ahead. Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.

The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.

Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.

Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.

At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.

Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.

Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.

If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?

You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.

This is the power of Your Personal Bank!

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The recent hurricanes demonstrated that reliance on government is unwise. It could even get you killed. The FEMA website offered $750 to US citizens who lost everything in the recent hurricane that destroyed much of western North Carolina. FEMA also recently announced they did not have the funds for another hurricane. Why did FEMA supposedly run out of money? According to the FEM website, they granted nearly a billion dollars to communities that recieved migrants over the past two years. Congress did not authorize this. Americans did not vote for this. The Biden-Harris administration stole the money to fund an illegal alien resettlement agency. The Biden-Harris administration also took $230 Billion from Medicare to fund EV tax credits. When costs increased they took more money to delay premium spikes before the election. The Congressional Budget Office estimates this will cause a $21 Billion reduction of the Medicare Trust Fund. It is estimated Medicare part D premium will increase from $30 to $142 per month in 2025. The Biden-Harris administration is out of control. They are not following procedures, rules, laws, or the Constitution. The government is similar to an out-of-control HOA. It has a narrow and limited purpose, yet has far exceeded its authority. Our founding fathers would have overthrown the current government already. We have an opportunity to replace the government with this election. Vote accordingly. Regardless of who wins this election, there is likely significant uncertainty and volatility ahead. Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.

The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.

Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.

Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.

At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.

Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.

Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.

If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?

You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.

This is the power of Your Personal Bank!

View Details

With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles.

John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings from multiple countries and a dozen different states. His was among the first ever companies to bring Single Family Home (SFH) Portfolio Real Estate to the Private Equity Community.

John is an International #1 Best Seller with over One Million Copies Sold. His books include: Money Secrets of the Rich and Powerful Changes. He has also produced over 100 books and audio programs during his career.

Because John is a Professional Investor, he makes his living actually DOING deals and not just teaching theory from the stage. The bottom line is: John walks his talk. For this reason, John is only available to speak at a few events per year, his last event for 2019 is November 1-3.

John greatly looks forward to sharing with you what you need to take your Real Estate Investing Business to the next level.

Go to johnburley.com for more information.

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Kip and Lora Brown used Your Personal Bank to enhance their real estate investment business and allow Kip to retire from his corporate IT career early. Kip and Lora share their story and now help others achieve their goals as life coaches. Kip is a successful IT Professional. He traveled across the world making millions for the businesses he worked for. He discovered that his dedication and hard work providing a life for his family kept him from spending the time he wanted to with them. He wanted his TIME BACK! How best to accomplish that? He will say he found the right path by listening to his wife, Lora, and investing in real estate. Discovering powerful tax savings strategies, infinite banking, self-directing his retirement and different ways to become debt free inspired him to share with others so they too can beat the rat race. Today, Kip is passionate about helping other professionals see how they can build true wealth through real estate and business ownership. Creating the time freedom and true wealth that creates generational legacies for their families. Mastering the art of communication is the first step towards your freedom, let me help you!

Lora started introducing herself as a married single mother of 3. She closed her photography business to raise her 3 children and manage the household as her husband, Kip, focused on his work which took him all over the world. She came from a long line of creative influences. She desired to start her own business. She wanted real estate to be her canvas. Her husband told her that they did not know enough to succeed. That was a challenge. She went on a mission to “know enough”! Her determination and desire to design her own future, and that of her family, led her to the knowledge & helped her make it happen! Today, Lora is a passionate advocate for women and families looking for a better way. Learning the financial literacy, business and investing strategies to Design a brighter future is how she created her success. Sensational Design for Sensational People became her mission. Now she wants to help you design and create yours!

There is likely significant uncertainty and volatility ahead. Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.

The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.

Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.

Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.

At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.

Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.

Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.

If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?

You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.

View Details

1. Stocks have been rising like a "soft landing" has already occurred. 2. Gold has been rising like we are in the midst of a major economic crisis. 3. Bonds have been falling like the Federal Reserve has finished cutting interest rates. 4. Real Estate has been rising like interest rate cuts just started. 5. Oil has been falling like demand is reducing due to recession. 6. Natural Gas has been rising like demand is increasing. No one knows what will happen. Uncertainty typically leads to volatility. Likely, we have a bumpy ride ahead. We also have one of the most important elections ahead of us to determine the future direction of our country in history. Most elections have offered little difference between the candidates over most of my lifetime. We don't have that problem this time. There are huge differences between Harris and Trump. Also, this is not just about Trump and Harris. It is about the 5000+ bureaucrats that each candidate will appoint to run the FBI, IRS, DHS, treasury, the military, every cabinet position and every government agency. We had the highest inflation in a generation during the Biden/Harris administration. Remember, it was always the Biden/Harris administration. Inflation was at historical lows during the Trump administration. 10-20 million, mostly unvetted, illegal aliens have entered our country during the Biden/Harris administration. Illegal aliens were at historical lows during the Trump administration. The Harris campaign flew Zelenski in on a US military plane to sign bombs in Pennsylvania. Zelenski cancelled elections in his country. His term expired 6 months ago. Is this a democratic leader? No, he is a dictator. Kamala Harris actively supported a dictator and continued war. Trump wants to stop the Ukraine war. Do you want more government spending, regulations, and control? Many current leaders want more power which gives them more money. They obtain this through control over you. Do you want another 10-20 million illegal aliens entering our country in the next 4 years? Venezuelan gangs are already taking control of apartment complexes in Aurora, CO. 20,000+ Haitians dumped into a city of 60,000 like Springfield, OH, will destroy that town. The infrastructure cannot handle that influx. What if your community is next? Do you really want war or peace? If so, vote for Harris, the democrats and RINO's. The IRS union, Dick Cheney (often called a war monger by both parties), foreign dictators (Zelenski), the cartels, illegal aliens, and drug dealers support Kamala Harris and democrats. Is that the side you want to be on? I am for America and American citizens. Make America Great Again is not about Trump. It is about America. There is likely significant uncertainty and volatility ahead. Reduce your market risk. Reduce your future tax liability. Increase liquidity. Create positive cash flow on your money.

The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.

Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.

Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.

At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.

Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.

Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.

If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?

You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.

This is the power of Your Personal Bank!

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The Federal Reserve surprised many people with a 0.5% rate cut recently.

Some are touting this as a good thing, especially the current administration and the legacy media.

Every time the Federal Reserve moved interest rates lower by 0.5% or more previously, it was due to a crisis or really bad economic news.

The Federal Reserve does not lower interest rates from the kindness of their heart. They lower interest rates because they are concerned about a bad economy.

Historically, the stock market has dropped significantly the majority of times after rate cuts started.

This is why some are expressing concern about why the Federal Reserve chose such a large rate cut.

Are they concerned about the economy?

Did they panic and overreact?

Was this politically motivated due to being so close to an election?

Nearly every economic indicator is showing the worst numbers since the Great Recession. The trends are headed in the wrong direction. If they continue, we can expect a severe recession.

I believe the Federal Reserve is attempting to prevent this. Their actions show they are clearly worried about employment.

Will they be successful in avoiding a hard recession?

They may be successful this time.

But history shows that when the Federal Reserve increases or decreases interest rates, they have consistently overreacted. They have also consistently been too late.

We will know in time, but the odds are against it.

The good news is this is the best time in 42 years to invest in an annuity or high cash value Your Personal Bank insurance policy. This is a generational opportunity to take advantage of higher returns on insured assets with guarantees.

Dividend rates are clearly on an upward trend due to higher interest rates than the past decade. Even if the Federal Reserve continues to lower rates from their current level, no one expects them to lower to the near zero levels of most of the past decade.

Insurance companies invest heavily in bonds. The bonds they have been purchasing for the last couple of years are far more profitable than the bonds they purchased most of the past decade. This is expected to continue for the next 3-5 years if not longer.

At the same time, borrowing rates are clearly on the decline. If the Federal Reserve lowers interest rates another 2% as they project over the next year or so, positive arbitrage will increase.

Dividend rates are currently about 6% and are expected to increase to about 7% over the next few years.

Borrowing rates using Your Personal Bank policies as collateral are currently about 5-6% and are expected to decrease to about 4-5% in the next year or so.

If you are earning 6-7% dividends on your money, then are charged 4-5% when you borrow, what is your money doing?

You still would gain 2-3% annually on money you accessed to invest in an asset, purchase an item, or pay off an expense.

This is the power of Your Personal Bank!

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You may be able to sell assets with zero capital gains if your gross income is below $120,000 married, filing jointly, or $60,000 as a single. Also, capital gains will increase in 2026 if congress does nothing. If you have assets subject to capital gains, take advantage of the historical low tax rates while they last. Most Americans pay payroll taxes, sales tax, property tax, income taxes, and inflation which is a hidden tax. Our money is taxed multiple times. You should reduce or eliminate taxes whenever possible. Your Personal Bank creates a tax-free bucket of money, insured, with guarantees, and highly liquid. Why is this one of the best times to add Your Personal Bank to your portfolio?

Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.

When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.

Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.

This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.

Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even after you access the funds for other purposes.

Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds.

Typically, the interest or dividends earned are higher than the cost of borrowing funds. This creates positive cash flow on money that is spent! This is known as positive arbitrage.

You are able to earn interest on money spent each and nearly every year for the rest of your life. Positive arbitrage has typically been 2-3% annually for the past 40+ years. What if you earned 1-3% on money you spent each year? You would have significantly more money to live on for the rest of your life!

Why is this one of the best times to add Your Personal Bank to your portfolio?

Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.

When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.

Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.

This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.

Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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The US Labor Department has revised the jobs numbers down nearly every year for over a year. Now the government admits to inflating the jobs numbers by reducing the jobs numbers by up to one million over the past year. Many American consumers are supplementing their living expenses with debt. Credit card balance is at an all-time high. Credit card defaults are at the highest level since 1991. A recent Piper Sandler analysis states 2024 looks reminiscent of 1970 and 2021 recession years. The American consumer has more debt and less savings than in 1970 and 2021. Consumer weakness could lead to a sharper decline than 1970 and 2021, according to Piper Sandler. The Shiller cyclically-adjusted price-to-earnings ratio (CAPE), is a 10-year rolling average of the 12-month trailing PE ratio. The CAPE ratio has a remarkable ability to predict future returns. The CAPE ratio predicted the S&P500 returns over the following decade with 90% accuracy between 1995 - 2010, according to an analysis by The American College of Financial Services. The Shiller CAPE ratio currently predicts annualized returns of about 3% over the next decade. I believe the economy will get worse before it gets better. We are in for a rough ride. It would be prudent to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

Contact Ferenc at yourpersonalbank.com or 866-268-4422 for more info.

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July 2024 Consumer Price Index (CPI) was reported at 2.9%. This is the lowest level since March 2021. Although the rate of inflation is slowing down, prices are not going down. They are still increasing. The cumulative price increases over the past 3 years are hurting Americans. Despite what you hear from the media and Wall Street about a potential rate cut, the Federal Reserve is far more concerned about inflation than recession. An economic slowdown actually helps the Federal Reserve fight inflation. If the Federal Reserve cuts rates too soon, they could reignite inflation and make things worse. Also, they have a history of moving slowly. Lastly, the Federal Reserve target inflation rate is about 2%. I believe the economy will get worse before it gets better. We are in for a rough ride. It would be prudent to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

Contact Ferenc at yourpersonalbank.com or 866-268-4422 for more info.

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The AI tech bubble has burst due to a weak unemployment report, poor earnings, and a surprise Japanese interest rate increase. A popular institutional trade was to borrow money cheaply in Japan, then use margin to invest in assets that vary in value like tech stocks. When the cost of borrowing increased, so did the capital required to borrow. This created a huge amount of margin calls. The massive selling created panic in the markets. If the economy was strong the market would likely move on from the recent crisis. The excess savings from COVID relief is gone. Consumer household debt has increased 25% in the past 3 years and hit new records. Unemployment has increased in the past four months. These are all signs that predict recession is ahead. There were calls for emergency rate cuts. The Federal Reserve response was "There’s nothing in the Fed’s mandate that’s about making sure the stock market is comfortable." Don't expect a Federal Reserve bailout. Inflation has been above 3% for 39 consecutive months. The Fed is more concerned about inflation than recession. In fact, a recession helps the Fed fight inflation. It is clear volatility has increased and not likely to disappear any time soon. It would be prudent to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

Contact Ferenc at yourpersonalbank.com or 866-268-4422 for more info.

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• A recent CNN study reports 39% of Americans are concerned about paying their bills. In comparison, 37% were concerned about paying bills during the Great Recession in 2008 - 2009. - Household debt has set a new record high. - Credit card debt is at record highs. Banks are bracing for major loan defaults. - 25% of Americans have resorted to skipping meals to avoid high food prices. - The rate of increases of inflation is moderating, but the cumulative impact of several years of inflation has devastated buying power. - The pressure is real. Everything is much more expensive than it was four years ago. This has devastated many household budgets. - The 30,000 foot view is that employment is low, the economy is growing, and people are spending money. - The reality on the ground is moderating inflation does not mean prices are going down. It just means prices are not increasing as fast as they were before. - Primary cause of inflation is excess government spending. - Interest on the debt is estimated to exceed $1.1 Trillion in 2024. - This is equivalent to over 75% of personal income taxes collected. This is the largest revenue item for the federal government. - Homeowners and those who own significant financial assets have done very well the past few years, but this leaves out huge segments of the population. - 3 in 5 Americans believe we are in a recession. - MarketWatch prediction: Stocks will not beat inflation over the next decade - The S&P 500 to the M2 money supply valuation model is the most bearish since 1970. - The M2 money supply Federal Reserve estimate of total money in circulation in the US. It would be prudent to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

Contact Ferenc at yourpersonalbank.com or 866-268-4422 for more info.

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John Burley With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles.

John is a Pioneer in the Real Estate Investment Business, originally trained in the World of Wall St., in 1989 he left and founded his Private Equity Company, where he serves today as the Founder & CEO. It is a leader in the industry, with holdings in multiple countries and a dozen different states. His was among the first ever companies to bring Single Family Home (SFH) Portfolio Real Estate to the Private Equity Community.

John is an International #1 Best Seller with over One Million Copies Sold. His books include: Money Secrets of the Rich and Powerful Changes. He has also produced over 100 books and audio programs during his career.

Because John is a Professional Investor, he makes his living actually DOING deals and not just teaching theory from the stage. The bottom line is: John walks his talk. For this reason, John is only available to speak at a few events per year, his last event for 2019 is November 1-3.

John greatly looks forward to sharing with you what you need to take your Real Estate Investing Business to the next level.

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There is no logical explanation that Trump is alive today. If you understand anything about firearms, you understand this. The fact that the shooter missed Trump from 130 yards is nothing short of a miracle. He should be dead today.

The reason I am hopeful is this demonstrates God has not given up on this country. This fact is hard to ignore. Many people have recognized this also. This is the type of thing that can reunite a divided country.

Unfortunately, there are some who refuse to recognize this. Jeremiah 5:21 states “Hear this, you foolish and senseless people, who have eyes but do not see, who have ears but do not hear”.

Some Christians can’t bring themselves to support Trump because he is flawed. Show me a human who ever lived who is perfect other than Jesus.

God's power is not limited by human imperfection. David committed adultery and murder yet called him “a man after his own heart”. God uses flawed people.

A single bee is ignored, but when millions come together, even the bravest run in fear. The government fears the day we stand together.

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High Inflation is no longer the only risk to the economy according to Jerome Powell, Federal Reserve Chairman. Unemployment has risen over the past three months. The "Sahm Rule" says that when the three-month moving average of the jobless rate rises by at least a half-percentage point from its low during the previous 12 months, then a recession has started. This rule would have signaled every recession since 1970.

Unemployment is currently 0.43% higher than it was last year. If unemployment increases another 0.07%, one of the most accurate economic indicators predicting recession will trigger.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

This is the best time to invest in high cash value dividend paying policies and annuities in 40+ years due to higher interest rates! You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

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The long term savings rate for Americans is about 4% of annual income. Americans accumulated $2.3 Trillion of excess savings in August 2021 primarily due to government pandemic stimulus. This excess savings has allowed consumer spending to remain strong for the past 3 years. Consumer spending accounts for about two-thirds of Gross Domestic Product (GDP). Consumer spending has been the lone bright spot in the economy and likely has prevented a recession so far. Consumer spending is weakening. Americans' savings are now below pre-pandemic levels. Credit card debt is at record highs. Many Americans are using savings and debt to pay for basic expenses. The American consumer is struggling. This is likely the last straw that will lead to recession. You can invest in high cash value Your Personal Bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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A high concentration of warning signals suggest a major market correction is ahead. There's nothing magical about these signals, but when dozens of them kick in at the same time, it is time to pay attention. Diversification is always financially wise to reduce risk. It becomes especially important with increased market uncertainty. Your Personal Bank policies are insured, with guarantees, income tax-free, and highly liquid. Annuities can offer up to 8% guaranteed first year and/or double digit gains in good market years with the principle guaranteed. There is no downside market risk. This is the best time in 40+ years due to higher interest rates for annuities and high cash value dividend paying Your Personal Bank policies. Higher for longer interest rates means these products will thrive. Returns will likely continue to increase for the next several years. Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

View Details

Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even after you access the funds for other purposes.

Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds.

Typically, the interest or dividends earned are higher than the cost of borrowing funds. This creates positive cash flow on money that is spent! This is known as positive arbitrage.

You are able to earn interest on money spent each and nearly every year for the rest of your life. Positive arbitrage has typically been 2-3% annually for the past 40+ years. What if you earned 1-3% on money you spent each year? You would have significantly more money to live on for the rest of your life!

Why is this one of the best times to add Your Personal Bank to your portfolio?

Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.

When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.

Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.

This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.

Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

View Details

In the 1970's, Saudi Arabia agreed to sell their oil exclusively in US currency. In return, the US agreed to protect Saudi Arabia. Recently, Saudi Arabia has decided to not renew the agreement. They will sell their oil in multiple currencies. This is a seismic event economically. It will have massive affects in the short and long-term. This agreement solidified the US dollar as the world's reserve currency. Any country or company that bought oil from Saudi Arabia had to use US dollars. Also, about 80% of world trade is transacted in US currency. This has created a strong demand for US dollars worldwide. For example, it is estimated there are more $100 bills in Russia than the US because of the need to use US currency to purchase oil or trade internationally. The US government has been able to easily sell bonds due to the global reserve currency status. Due to the perceived safety, the interest rates offered on US bonds were lower than bonds from other countries. This has had the affect of keeping interest rates lower in the US. The reduced demand for US dollars will likely have the following economic effects: Interest rates will higher on average in the future than the past 50 years. Goods produced outside the US will cost more. This will increase inflation. The US will have less influence geopolitically due to the weakened reserve currency status. Protect your money. Diversify your portfolio. This is particularly important with increased uncertainty. Reduce market risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. This is the best time to invest in annuities and high cash value insurance in 40+ years. Fixed interest assets are expected to increase for the next 5 -10 years due to higher for longer interest rates. Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

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Hon. David M. Walker is a nationally and internationally recognized fiscal responsibility, government transformation/ accountability, and retirement security expert. He is a non-practicing CPA with over 40 years of executive level experience in the public, private and non-profit sectors, including heading three federal agencies (two ERISA agencies), two non-profits, and leading a global service line for Arthur Andersen LLP. His most recent full-time federal position was as the seventh Comptroller General of the United States and CEO of the U.S. Government Accountability Office (GAO) for almost 10 years. This was one of his three Presidential appointments by Presidents from both political parties, with unanimous Senate confirmation each time. Dave also served as one of two Public Trustees for Social Security and Medicare from 1990-1995, and as the first Chairman of the Independent Audit Advisory Committee for the United Nations. Most recently, Hon. David M. Walker served as the Distinguished Visiting Professor and Crowe Chair at the U.S. Naval Academy where he taught the Economics of National Security. He currently serves on a number of government and non-profit Boards and Advisory Committees, including the Defense Business Board, the Federal Fiscal Sustainability Foundation, and as a National Co-Founder of No Labels.

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It is official. Our justice system has been corrupted. Our country is not the same. Sadly, the end is near. If we continue down this path, you will not recognize our country or society soon.

Just because we have enjoyed Constitutionally protected freedoms, does not mean we will automatically continue to do so in the future.

Any honest and fair-minded person will realize the democrats have gone too far. This is not about Trump. This is about what kind of country and society do we want to live in. You can no longer deny this. If they can railroad Trump, what can they do to you?

Our country is in distress. Fly your flag upside down.

It is not over. People are waking up. How will this affect us?

Biden administration has authorized Ukraine can use US-made weapons to attack Russia. The Biden administration went after Trump. They are escalating the war in Ukraine. They are not done. They are willing to create chaos to maintain power.

Regardless who wins in November, I predict a rocky road this year.

Protect your money. Diversify your portfolio. Reduce market risk. This is the best time to invest in annuities and high cash value insurance in over 40 years. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. Fixed interest assets are expected to increase for the next 5 -10 years due to higher for longer interest rates.

Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

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I have been sharing on the radio for nearly 5 years the power of Your Personal Bank to grow your money insured, guaranteed, tax-free, highly liquid, and create positive cash flow on money you spent. Recently, I have met several people who were sold products that they thought would accomplish the above but do not. Frankly, they were misled by the insurance agent/financial adviser. There is a simple key to ensure your policy is designed to maximize cash value: - 50%+ of your contributions are available day one if you are funding multiple years (non-MEC) - 80%+ of your contributions are available day one if you are funding most of your contribution up-front (MEC) If this is not the case with your policy, it is not structured to maximize cash growth. If you are considering a high cash value policy or purchased one in the past decade, I likely can help you improve your cash growth with little or no cost or tax consequence. If you believe you were misled or defrauded, you have consumer protections. I can review your policy and can advise if you have a reasonable chance of receiving a refund of your contributions (premium). Also, the best positive arbitrage comes from bank lines of credit most years. Typically, banks offer lower interest rates than policy loan interest rates. When accessing funds from your policy, you want the option to borrow from whoever is offering the lower rate. Banks will only offer lines of credit on about 6 insurance companies. The cash in the policy is the collateral for the bank loan. Banks research insurance companies more than anyone else. Their money's on the line. I recommend following the bank's lead. They are savvy about money. Why fund a high cash value policy with a company that the banks will not accept? You limit your positive cash flow (arbitrage) when you access funds. Contact me to obtain the list of insurance companies the banks will accept. I am independent and work with dozens of insurance companies, including the top companies. Your Personal Bank policies are a powerful financial tool that can grow your money insured, guaranteed, tax-free, highly liquid, and create positive cash flow on money you spent. It frustrates me when someone is sold on the idea, but is then misled intentionally or otherwise. Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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USC Code 18, Chapter 29, Section 611 - Voting by Aliens (Non-Citizens) This federal law states it is not unlawful for any alien to vote in any election if the alien permanently resided in the United States prior to attaining the age of 16 and the alien reasonably believed at the time of voting that he or she was a citizen of the United States. Therefore, being a citizen is not a legal situation. It is a state of mind. There are many documented court cases of non-citizens voting, sometimes for decades, see attached The Washington Times Article: Noncitizens caught voting in U.S. elections — here’s how they did it. It is well-documented illegal noncitizen voters are three times more likely to be Democrats than Republicans. This explains why the Democrats are overwhelming in favor of open borders. More illegals equals more Democrat voters. It is estimated 10% - 27% of non-citizens or illegally registered to vote, see attached Just Facts Study. The US Census recorded 19 million non-citizens living in the US in 2022. There are many more illegals in the US in 2024. Based on 20 million non-citizens, 2 - 5 million non-citizens are illegally registered to vote. It is estimated about half vote in presidential elections. The non-citizen vote has the potential to determine any close election. For example, it is estimated non-citizens gave Biden 33,000 to 69,000 votes in Arizona in 2020. The official final result was Biden won Arizona by about 12,000 votes in Arizona in 2020. Non-citizens likely gave the presidency to Biden. Many illegal aliens receive government benefits. Multiple polls show about 80% of illegal aliens prefer "a bigger government providing more services". This is double the rate of citizens. Every illegal vote cast by a non-citizen nullifies the legal vote of a citizen, therefore subverting their Constitutional right to vote. Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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Your Personal Bank TM is a financial concept that strategically integrates financial tools from the banking and insurance industries to continue growth on funds even after you access the funds for other purposes.

Your Personal Bank TM is a two step process. 1. A high cash value policy is established to maximize cash growth, insured, with guarantees, income tax-free, and highly liquid. 2. A bank line of credit is typically established using the cash in the policy as collateral to access funds.

Typically, the interest or dividends earned are higher than the cost of borrowing funds. This creates positive cash flow on money that is spent! This is known as positive arbitrage.

You are able to earn interest on money spent each and nearly every year for the rest of your life. Positive arbitrage has typically been 2-3% annually for the past 40+ years. What if you earned 1-3% on money you spent each year? You would have significantly more money to live on for the rest of your life!

Why is this one of the best times to add Your Personal Bank to your portfolio?

Insurance companies invest heavily in bonds. Bonds are highly interest rate sensitive. Interest rates have increased at the fastest rate in the history of the Federal Reserve. Bond interest rates are 2-3 times higher than they were a couple of years ago. Insurance company profits are increasing as well. Dividends are profits of the company, therefore, dividends are expected to increase.

When the federal government spends more than it receives in tax revenue, it has to sell bonds to issue the currency. This is known as deficit spending. Also, the government does not pay down the existing debt. It sells new bonds at the current interest rate when the previous bond term expires to "roll over" the debt.

Deficit spending is at all-time record levels. The overall debt continues to increase $1 Trillion about every 100 days.

This is causing the federal government to sell record levels of bonds. And the amount of bond selling continues to increase. To entice institutional bond buyers to continue buying bonds, the government is having to offer higher and higher interest rates.

Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.

The federal government fiscal irresponsibility creates an opportunity.

You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

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Growth is slowing. Prices continue to surge. This leads to stagflation. This is a nightmare scenario for the economy.    This places the Federal Reserve in a very difficult situation. If they lower interest rates, inflation will increase. If they increase interest rates, the economy will slow down further.    The US economy has not faced Stagflation since the 1970's. Stagflation is bad for the stock and real estate markets. Look at a stock market chart from the 1970's. It was an ugly decade.   This is the reason the Federal Reserve held interest rates and reiterated "higher for longer". Wall Street and the legacy media is finally coming to realize that the Federal Reserve is unlikely to cut interest rates through 2024 if not longer.    Wall Street may be surprised that the economy is slowing, but main street is not. Anyone who buys food in the grocery store or buys gas understands this. I have been sharing this for over a year.   Interest rates have increased significantly and are likely to remain for an extended time.    The economy has changed. It is time to increase interest rate sensitive assets in your portfolio.   Your Personal Bank dividends are insured, tax-free, with guarantees, highly liquid, and are likely to increase for the next 5 -10 years due to higher interest rates.   Index annuities provide double digit upside potential in good market years, with no downside risk, and tax-favored. Many of the better index annuity average returns have ranged from 6 - 11% 10 year average annual returns over the past 20 years. They are back in favor and are likely to provide strong returns for the next 5 -10 years due to higher interest rates.    Insurance companies provide Your Personal Bank policies and annuity products. Insurance companies are more profitable in a normal to higher interest rate environment. If interest rates remain "higher for longer", Your Personal Bank policies and annuities will pay higher returns.     I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending.    The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility.

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Our Federal Government has revised the employment numbers nearly every month in 2023. The total job new job numbers were reduced by 360,000 in 2023 from the initial reported job numbers. For example, the US Government initially reported 209,000 new jobs for June 2023. Then later revised down by 104,000 jobs. The real new job numbers were about half of the original job numbers. Why is this so important. The one consistent bright spot in the economy has been low employment. If unemployment increases that will likely be the last straw before we experience a recession. The federal government is consistently over-reporting the new job numbers then quietly revising the numbers when no one is paying attention. I believe this is an effort make the economy look better for political reasons than it really is. Once enough people and investors realize the truth, this could affect the market significantly. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Our Federal Government has spent more than it receives for decades. This has become worse over time. We now have over $34 trillion in debt and the debt is increasing about $1 trillion every 100 days. This is unsustainable. We have tried deficit spending for decades. It has caused inflation, economic instability, and is a national security issue. What if the government lived within its means? How about we try that for a while? That would be common sense.

I believe the excess spending will lead to financial chaos sooner than most people think. We are speeding towards a financial cliff. We need financial sanity. We need common sense.

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Truth in Accounting believes truthful accounting is the key for citizens, legislators, and the press to understand the truth about government finances. Sheila Weinberg Bio Picture.pdf Truth in Accounting recently released The Financial State of the Union. This is a review of the latest available audited Financial Report of the U.S. Government. Go to yourpersonalbank.com to review. Sheila Weinberg, Truth in Accounting founder, shares powerful financial information regarding the financial state of the US government, states, cities, and Social Security. This is information anyone who receives or plans to receive Social Security needs to know. Also, government employees and retirees need to know the financial info that likely will affect their retirement. This is an interview not to be missed. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info. Please contact me with any questions.

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The compound effects of inflation over the past 3 years is forcing many Americans to make difficult financial decisions. When the federal government spends more than it receives through tax revenues, it prints the extra dollars. This increases the amount of currency in circulation. Extra dollars chasing products and services increases prices. This is the cause of inflation. The US government is expected to spend $2.5 trillion more than it will receive in tax revenues in fiscal year 2023. As long as the federal government continues to spend more than it receives, inflation and interest rates will be pushed higher. This is the reason the Federal Reserve has stated to "expect higher for longer" regarding interest rates. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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The government changed how it measures the Consumer Price Index (CPI) to make it appear inflation is less severe than it actually is.   If CPI was measured using pre-1983 methods, 2022 is estimated to be 18%. 2023 inflation (CPI) was 9% according to the Bureau of Economic Analysis.    These numbers are supported by a 25% increase in food costs since January 2020, source US Labor Department.    Zillow states the income required to purchase the average home 4 years ago was $59,000. Today, the income required to purchase the average home is $109,000. If you were an average income earner and increased your income $10,000 per year over the past 4 years, you increased your income more than most people. Unfortunately, you did not improve your financial situation regarding housing costs. Sadly, home ownership has slipped away for many Americans.   When the federal government spends more than it receives through tax revenues, it prints the extra dollars. This increases the amount of currency in circulation. Extra dollars chasing products and services increases prices. This is the cause of inflation.   The US government is expected to spend $2.5 trillion more than it will receive in tax revenues in fiscal year 2023. As long as the federal government continues to spend more than it receives, inflation and interest rates will be pushed higher. This is the reason the Federal Reserve has stated to "expect higher for longer" regarding interest rates.   The federal government fiscal irresponsibility creates opportunity. Insurance company dividends are highly interest rate sensitive. Interest rates and dividends are expected to increase over the next 5 -10 years.   Your Personal Bank allows you to grow your money insured, with guarantees, tax-free, and likely increasing returns over the next 5 - 10 years.     I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.   When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending.    The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility.   Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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The US has Lost 2 Million Full-Time Jobs in the Past 8 Months and Wage Growth is Slowing Show Description: Consumer spending has been the lone bright spot in the economy. Consumer spending accounts for about 2/3 of Gross Domestic Product (GDP). The unprecedented amount of government stimulus has supported consumer spending. The excess money in the system takes time to percolate through the economy. It is running out for many people. Also, the US has lost 2 million jobs in the past 8 months. If unemployment increases, we will likely experience a recession. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. When the government spends more than it receives, it has to sell bonds to off-set the currency. As long as the federal government continues to print money, bond interest rates will remain higher. Currently, there is no political will to reduce spending. The federal government's excess spending creates an opportunity. Insurance company dividends are highly interest rate sensitive. Dividends are expected to increase for the next 5-10 years. You earn dividends insured, guaranteed, tax-free and highly liquid. You can take advantage of the government's financial irresponsibility. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Many Americans are unaware that the US Census counts all people, including Illegal Immigrants. Population determines the number of House seats for each state. This also determines Electoral College votes for President. Based on the 2020 Census, it is estimated illegal immigrants account for about 20 House seats, mostly from Democrat states. Several Democratic states have lost House seats due to population loss. Sanctuary cities create a magnet for illegal immigrants. If they had not been counted, Democratic states would have lost more House seats. This is the reason Democrats support open borders and illegal immigration. Even if illegal immigrants do not vote, Democrats are receiving about 20 extra House seats and about 5% of the Electoral College. This dilutes the vote of US citizens. Millions of illegal immigrants have entered the country since 2020. If they are counted in the next Census, Democratic states will receive more House seats and Electoral College votes. Political power affects our country, our society, and our money. Unless the border is closed and illegal immigrants are deported, political power will be skewed heavily to the Democrat party for decades. I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities. Your Personal Bank can help you accomplish all of the above and create positive cash flow on money you invest or spend. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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John Burley is one of the most experienced real estate experts, educators, and is a private equity founder in the US. With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles.    Your Personal Bank can help you enhance real estate investing. You can lower your cost of borrowing. You can also operate similar to a bank and earn positive cash flow on your money.   Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Laken Riley went on a run around Lake Herrick in Athens, Ga. and never came back. The 22-year-old nursing student died of blunt-force trauma after her innocent jog allegedly crossed paths with Jose Antonio Ibarra, 26, whom police say killed her in a "crime of opportunity."

The Atlanta Journal-Constitution referred to Ibarra as an "Athens man," instead of a violent Venezuelan illegal immigrant. ICE officials confirmed he was arrested twice. Once in Texas and "paroled". His second arrest was in New York City, but sanctuary laws freed him.

Laken Riley is not an isolated case. This is happening nearly every day in America.

HIAS is a Jewish American non profit organization that provides humanitarian aid and assistance to refugees. They support open borders. HIAS has been documented giving maps to illegal aliens in Panamanian migrant camps with instructions on how to get to the US illegally.

HIAS 2022 annual report includes donations of $59 million from the US State Department and $29 million from the US Department of Health and Human Services.

Why is the US government sending US taxpayers money to non-government organizations that facilitate illegal immigration? Our tax money is literally funding illegal activity and encouraging illegal immigration. Is this a good use of your hard-earned money?

Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

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The Biden administration announced forgiving another $1.2 billion in student debt. This is after the US Supreme Court ruled last year that the president cannot forgive student loan debt.    When referring to student loan forgiveness Biden stated "The Supreme Court blocked it. But that didn't stop me" The executive branch is trampling and ignoring another co-equal branch of government, the US Supreme Court. Every president since George Washington has taken an oath to "protect and defend the Constitution". Biden lied. This is an impeachable offence.    The Biden administration has cancelled about $138 billion in student debt for about 3.9 million borrowers through more than two dozen executive actions.    1. Student loan forgiveness through executive order is unconstitutional. 2. The debt will be paid by the taxpayer. Why should someone who paid off their student loans, or never took a loan, or attended college have to pay off someone else's loan? 3. Much of the student loan forgiveness has been directed to groups who vote heavily democrat. This is taxpayer funded politically-motivated vote buying.     Where does the money come from to forgive student loans? Your tax dollars.    The government has no money. Governments get money from taxpayers and by printing more money. This creates inflation. Everyone pays more for goods due to inflation.     Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates.    Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

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Illegal immigrants don't have to pay taxes, but you do. Many illegal immigrants don't have to pay for housing, but you do. Many illegal immigrants don't have to pay for housing, but you do. Many illegal immigrants don't have to pay for food, but you do. Many illegal immigrants don't have to pay for health care, but you do. How is this fair to US citizens? Where does the money come from for all the benefits currently being given to illegal immigrants? Your tax dollars. The government has no money. Governments get money from taxpayers and by printing more money. This creates inflation. Everyone pays more for goods due to inflation. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Contact me at ferenc@yourpersonalbank.com if you want info on how to thrive financially in 2024.

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The farmer protests in Europe should become a wake-up call. The European Union's nature restoration law, was attempting to set legally binding "Green New Deal" style targets to restore at least 20% of the EU's land and sea areas by 2030. Europe is dealing with increasing food prices. Taking agricultural land out of productive use reduces food production. One of the most basic human needs is food. It hurts people and the economy. It hurts lower income the most. This makes no logical sense. Farmers are conservationists. They want their land to remain productive. It is how they make their living and take care of their families. Farmers don't need unelected bureaucrats, most with no farming experience, telling them how to do their jobs. This is a common thread with government. Do you want government bureaucrats telling you how to do your job or run your business? No. That is ridiculous. What government leaders, both elected and unelected, need to understand is that the American people don't want them to do anything except keep our country safe and secure. Do their job and stay out of our lives. We just want them to leave us alone! The only way they will learn this lesson is for us to vote them out. We need to replace them with representatives that will represent us, not themselves or their own agenda. I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher. - Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets. - The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Contact me at ferenc@yourpersonalbank.com if you want info on how to thrive financially in 2024.

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The border stand-off between the state of Texas and the Federal Government is the most significant Constitutional issue since the Civil War. The States created the Federal Government, not the other way around. If the states ever thought they would not be able to protect themselves from invasion if the Federal Government failed to do so, they would never have ratified the Constitution and joined the United States. The Constitution was written to limit the power of the Federal Government. The problem is that the Federal Government has gradually gained more power for the past 100+ years. This has encroached on the states and individuals rights. Texas standing up for their Constitutional rights could become the beginning of a shift of rights back to the states. No one recommends investing all your money in one stock. that would be too risky. Why would you put all your eggs in one basket? Diversification of policies from 50 states would be great for innovation. This would also create competition between the states. The best ideas would be copied by multiple states. If there were different policies, you could move to a state that fit your belief system. This is what the founders intended. Diversifying power to 50 states would be great for our economy and our freedom. This could be a renaissance of freedom. A 1776 moment. I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher. - Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets. - The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Contact me at ferenc@yourpersonalbank.com if you want info on how to thrive financially in 2024.

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The border crisis has created the greatest Constitutional crisis since the Civil War. Texas installed razor wire to reduce illegal immigrants crossing the southern border. The Biden administration sued the State of Texas to remove the razor wire. Incredibly, the Supreme Court in a 5-4 decision sided with Biden administration. This is despite Article 4, Section 4 of the Constitution states "The United States shall guarantee to every State...and shall protect each of them against Invasion...and domestic Violence." Article I, Section 10 acknowledges “the States’ sovereign interest in protecting their borders.” This was confirmed by Arizona v. United States, 567 U.S. 387, 419 (2012). Texas Governor Greg Abbott has vowed to continue protecting is state from illegal immigration. He also wrote an amazing letter to the Federal government stating "The federal government has broken the compact between the United States and the States." He references Constitutional rights of the states and the intention of James Madison, Alexander Hamilton, and other founders. This is the Constitutional method to take back and protect our freedoms. My hope and prayer is that Governor Abbott stands firm and protects his state. Other republican governors should join in support. States need to take back their Constitutional rights. Americans who believe in the Constitution should help Governor Abbott in every possible way. This is encouraging. It could be the beginning of a renaissance of freedom. This could be a 1776 moment for our country. The Supreme Court has been wrong before. The Dred Scott decision is a famous example. This was a Supreme Court decision that stated Dred Scott, a former slave, who had resided in a free state and territory where slavery was prohibited was not entitled to his freedom. The states created the federal government. The Constitution was written to limit federal power. Our federal government has expanded far beyond the intention of our founders. I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher. - Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets. - The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Contact me at ferenc@yourpersonalbank.com if you want info on how to thrive financially in 2024.

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Most Americans agree that our country is headed in the wrong direction. If a talented team loses games, the coach goes back to basics, blocking and tackling. Teams have a philosophy, an identity. Countries have philosophies and identities also. If you start a business and apply for a loan, the Small Business Administration and/or lender require a business plan. The business plan starts with a mission statement. When a business starts, does it live up to it’s mission statement? No. It is an aspirational statement. The mission statement is what the business aspires to. What is the Mission Statement for the United States? The Declaration of Independence.

Some people denigrate the founders and the founding documents because everyone was not treated equal. Also, slavery still existed. Did the United States start living up to the Declaration immediately? No. It is what our government and country aspires to.

For example, freedom thru the right to vote has expanded. We should be proud of that heritage, not denigrate it.

What is the mission statement for the United States?

The founders never intended for Americans to trust their government. The entire constitution is predicated on the assumption that government is a necessary evil, to be restrained and minimized as much as possible. The founding documents restricted government to limit its size, scope, and power.

"Government is not the solution to our problem; government is the problem." - Ronald Reagan I believe you are not truly a US citizen without this understanding. You do not understand the United States mission statement.

I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher. - Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets. - The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Contact me at ferenc@yourpersonalbank.com if you want info on how to thrive financially in 2024.

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The searing criticisms of an overbearing, unaccountable government in "Common Sense" by Thomas Paine ring as true today as they did in 1776. The pamphlet expressed a radical democratic spirit. It encouraged everyone to evaluate the case for independence. Independence from a king was a highly innovative idea at the time. Human history has been dominated by strongmen; kings, dictators, rulers of all types.

One of the key ideas in "Common Sense" is “We have it in our power to begin the world over again” This was truly revolutionary and influenced the Revolution and lead to the Declaration of Independence.

"We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed,—That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it,"

Thomas Jefferson described The Declaration of Independence as an aspirational document. It inspires mankind to an ideal. We need more of this, not less. When this was written, only white men who were landowners could vote. Over time, our country has expanded freedom and increased who can vote. We should be proud of this legacy.

The Declaration of Independence also states it is the Right of the People to alter or abolish government that interferes with the People's rights. This is astonishing.

We have an opportunity to alter our government in the election this fall. Most Americans are against an open border and more money to Ukraine. We need to vote out any representative that supports these agendas. They are not representing their constituents. If we replaced most of them, that would send a clear message.

The US has a record $34 trillion debt. This is a truly depressing achievement. This is more than the value of China, Japan, Germany, India, and the UK economies combined.

The debt has more than doubled since 2013. The US is spending about $2 billion per day on interest payments alone. This is dangerous for our economy and our national security. It is unsustainable.

I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher. - Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets. - The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Contact me at ferenc@yourpersonalbank.com if you want info on how to thrive financially in 2024.

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If a conservative doesn't like guns, they don't buy one. If a liberal doesn't like guns, they want all guns outlawed. If a conservative is a vegetarian, they don't eat meat. If a liberal is a vegetarian, they want all meat products banned for everyone. If a conservative is down-and-out, they think about how to better their situation. A liberal wonders who is going to take care of them. If a conservative doesn't like a talk show host, they turn the channel. Liberals demand that those they don't like to be shut down. If a conservative is a non-believer, they don't go to church. A liberal non-believer wants any mention of God and Jesus silenced and removed. If a conservative decides that they need health care, they go about shopping for it, or may choose a job that provides it. Liberals demand that the rest of us pay for their healthcare. Liberals frequently accuse Conservatives of being a "threat to democracy" or wanting to take away your rights. Liberals want everyone to conform. Which side really wants freedom for everyone? I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher.

Contact me at ferenc@yourpersonalbank.com if you want info on how to thrive financially in 2024.

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The Wheel of Life is one of the most impactful discussions Ferenc shares annually. If you want to make 2024 your best year yet, the Wheel of Life is key to successful goal setting. Ferenc shares proven steps on how to live your best life. Contact me at ferenc@yourpersonalbank.com if you have any questions on successfully accomplishing your goals. I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher.

Contact me at into@yourpersonalbank.com if you want info on how to thrive financially in 2024.

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The Colorado Supreme Court dis-enfranchised millions of voters. We are in uncharted legal water. Will our constitution survive this blatant attack? This is not about Trump. This is about Marxists taking away citizens’ Constitutional rights. This is what dictators and communists do to their political opponents. If a government is powerful enough to take away your right to vote, it is powerful enough to take other rights. What other rights are the current administration going to attack? The establishment sees Trump as a threat. Once he obtains the Republican nomination, expect chaos to try to stop him.

The establishment has shown they are willing to do anything to stop Trump. Including taking away citizens’ right to vote for the candidate of their choice. Including shutting down the economy, imposing mask mandates, and forcing you to inject an experimental shot or you lose your job/career. What other actions are they willing to take to protect their control, power, and money?

I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters.

Market risk will likely be higher. Reduce your market risk. Diversify a portion of your portfolio into guaranteed options.

Vanguard expects bond returns to be favorable for the next 5 -10 years. Your Personal Bank dividends are highly interest rate sensitive. Dividends will likely increase for the next 5 -10 years. Your Personal Bank allows you to earn cash flow on money you spent every year for the rest of your life! This can help you offset inflation. Interest rate sensitive assets will thrive while asset values on most stocks and real estate will suffer. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

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The Federal Reserve has been selling assets most of 2023. This is known as quantitative tightening. As a result, the money supply has reduced 3.3% since July 2022. This has only happened four previous times in US history; 1920-21, 1929-33, 1937-38, and 1948-49. Each time, a severe recession followed. Warren Buffet has sold over $28 billion in stocks in 2023. He has stated stocks are expensive and has been pessimistic about the stock market and economy. He is following history. Warren Buffest is considered the best investor in history. Wall Street and investors are paying attention. The Federal Reserve has recently announced they expect to reduce interest rates 0.75% by the end of 2024. A recession would reduce demand, inflation, and make interest rate reductions more likely. If interest rates are reduced slightly, they would be at long-term average rates. These rates would remain higher than the extreme low rates over most of the past decade. This bodes well for fixed interest, bank money, bonds, and dividends. Vanguard expects bond returns to be favorable for the next 5 -10 years. Your Personal Bank dividends are highly interest rate sensitive. Dividends will likely to increase for the next 5 -10 years. Your Personal Bank allows you to earn cash flow on money you spent every year for the rest of your life! This can help you offset inflation. Interest rate sensitive assets will thrive while asset values on most stocks and real estate will suffer. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Contact Ferenc at YourPersonalBank.com or info@yourpersonalbank.com for more info.

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Why do I share current events and political policies on a financially focused show? Economic freedom is freedom. The famous statement in the Declaration of Independence "Life, Liberty, and the Pursuit of Happiness" was almost "Life, Liberty, and Ownership of Property". The founding fathers understood the power of economic freedom. The founders also understood the tyranny of an overzealous government. They lived under a dictator. A king is a dictator in fancy robes. Absolute power corrupts absolutely. The founding founders accurately predicted that governments would constantly attempt to acquire more power. More government power results in less freedom for the people. Ronald Reagan was correct when he stated "Government is not the solution. Government is the problem". This is why the Constitution was written to limit the power of government, not the other way around. In fact, the 10th amendment in the Bill of Rights states "The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people." The Constitution lists the powers of the federal government. The powers not listed are for the states or the people. I describe myself as a Constitutionalist. The Constitution is the supreme law of the land. We need to honor the Constitution and get back to its intention. We need a 1776 rebirth of freedom. If we did that as a country, it would be the greatest economic boost in human history. Life would improve substantially for more people than ever before. Your Personal Bank allows you to earn cash flow on money you spent every year for the rest of your life! This can help you offset inflation. Interest rate sensitive assets will thrive while asset values on most stocks and real estate will suffer. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Please contact me:

YourPersonalBank.com

ferenc@yourpersonalbank.com

866-268-4422

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The US Government cannot just print money endlessly. The Federal Reserve is required to hold assets equal to every dollar in circulation.  The majority of those assets are treasury bonds. Bonds are a debt instrument. When the government sells a bond, it promises to pay a fixed interested rate for a certain period of time. This is similar to a CD.   The government does not pay down the debt. When a bond matures, the government issues a new bond at the current interest rate. The total national debt is over $33 trillion. The government issues several trillion dollars in bonds annually. The fiscal 2022 federal deficit was $1.7 trillion. This means the government sold $1.7 trillion of bonds in addition to the bonds sold to maintain the existing debt.   The Federal Reserve and the Bank of China were the two largest buyers of treasury bonds over the past decade. Both central banks are now selling bonds, not buying them. The government is having to offer higher interest rates to entice buyers.   As the federal government continues excess spending, they will have to sell more and more bonds with fewer buyers. They will have to offer higher interest rates to sell the treasury bonds. If the government is offering higher interest rates, it forces most other interest rates higher.    When you want to finance a purchase you are competing with the US Government to borrow money.   Interest rate sensitive assets will thrive while asset values on most stocks and real estate will suffer.    Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates.    Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

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The Biden Administration is taking credit for inflation reducing 65% - Prices of goods are still increasing.

• Inflation has not been under 4% annual since May 2021.

• This is double the Federal Reserve target inflation rate of 2% annually for a stable economy.

• The Biden administration's claim of inflation reducing 65% actually means the rate of increase is increasing slower. Inflation is still increasing. Prices are still increasing.

• CPI: Consumer Price Index

o 2021: 4.7%

o 2022: 8.0%

o 2023: 4.0% approximately

o Total: 16.7%

o $100 item, now cost over $116

• Has your income increased 16% in the past 3 years? If not, you are poorer.

Financial Times: 14% of Americans are better off financially because of inflation. 86% are falling behind.

Interest rates are likely to be higher for longer.

• Business Insider: easier to sell Moroccan and Vietnam bonds than US bonds do to all the financing. 30 years bonds are selling at a huge discount because bond investors are concerned interest rates will be higher in the future.

• The massive debt and higher interest rates create record levels of interest payments the government pays.

• Borrowing more money will be increasingly difficult and expensive.

• As the interest on the debt increases, the government will be under extreme pressure to increase revenues (raise taxes).

• Potential tax liability on any taxable asset will increase.

Higher interest rates = higher insurance company dividends

Interest rate sensitive assets will thrive while asset values on most stocks and real estate will suffer. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

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Expect Interest Rates Higher for Longer! Why? The Debt Spiral is Accelerating Due to higher interest rates, the interest on the debt is increasing faster than expected. The interest on the debt now exceeds $1 trillion annually. The cost of interest has doubled in the past 19 months. According to the Congressional Budget Office (CBO), the deficit will be about $3 trillion for fiscal year 2024. This is 50% higher than the CBO estimates recently. This is known as a debt spiral. The interest increases at an increasing rate. The current level of government spending and increased interest cost is unsustainable. Interest rates are likely to remain high for longer. As the government continues to spend more than they receive, bond buyers will demand higher interest rates due to the higher risk. This will push interest rates higher for longer. The Federal Reserve also has stated interest rates will have to remain higher for longer to tame inflation. If bond buyers start balking at buying bonds because the debt and interest payments are too high, the government will be forced to stop spending more than it receives. If the government is then unable to print money to spend more, increasing taxes will be more likely to increase revenues. Therefore, the risk of future higher tax rates has increased. Interest rate sensitive assets will thrive while asset values on most stocks and real estate will suffer. Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid. Contact Ferenc at 866-268-4422 or yourpersonalbank.com for more info.

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Show Description: Ferenc shares the role the current administration has played to contribute to terrorism and the current Middle Eastern War. US tax dollars are supporting terrorism. These actions have made the world, our security, and our economy significantly less safe.    The current speaker battle in the House of Representatives demonstrates why the Republican party struggles to accomplish to goals of their voters. About 20 representatives are refusing to elect Jim Jorden as speaker. Most are from Republican districts. The overwhelming majority of their constituents want Jorden as speaker. These representatives are demonstrating that they represent their donors, not their constituents.   Most of the representatives that are blocking Jim Jordan as speaker also vote with Democrats as often as they vote with Republican priorities. Most of them run as conservatives, make promises that conservative voters like, then do nothing except become wealthy. They misrepresent, and lie to their constituents. They are wolves in sheep's clothing. They are often referred to as RINO's (Republican in name only).   The good news is that they have identified themselves with this action. These representatives need to be primaried and replaced with legitimate conservatives that hopefully do not compromise their values when elected. About 200 Republicans did vote for Jim Jordan as speaker, so this problem can be fixed.   The bad news is we need to get though the next year until these RINO's can be replaced. The House of Representatives is the only thing holding back the Biden administration from even more government spending and bad policies for our country. If the RINO's in the Republican party work with the Democrats, things could get a lot worse.   Good financial management and financial literacy become more important in challenging economic times. Ferenc shares financial literacy keys that most people have never heard, even if they meet with a financial advisor regularly. Ferenc also shares key ideas of how to provide the protection you need while reducing market risk, increasing returns, reducing taxes, and creating positive cash flow with your money using Your Personal Bank.

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We are in very serious times. The Biden administration is deeply unserious.       1. Some of the weapons used by Hamas were US made, likely from the Afghanistan withdrawal.       2. The US released $6 Billion to Iran in a recent prisoner exchange.       3. Iran is the #1 sponsor of terrorism in the world.       4. Hames is a designated terrorist organization.       5. Hamas confirmed Iran supported Hamas with financial support.       6. Hamas captured and executed women and children in a surprise attack.       7. Biden weakened US national security by lowering the Strategic Petroleum Reserve to it's lowest levels in decades for political reasons, not an emergency.       8. If Oil Production is Disrupted, Expect a Strong Recession   The risk of recession is greater than at any time since the Great Recession in 2008.   Your Personal Bank funds are:       1. Insured and Guaranteed: Protects your money from market risk and losses.        2. Grow Tax-Deferred and can be accessed Income Tax-Free: Reduces your tax liability.       3. Highly Liquid: Access your money as needed and to take advantage of opportunities.       4. Gains are not subject to the stock or real estate markets and have a minimum guarantee: Your money increases every year, regardless of the economy.       5. Earn Dividends: Dividends are profits of the company and are likely to increase for several years due to increased interest rates.       You can also operate similar to a bank and earn positive cash flow on your money. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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John Burley Interview - Successful Real Estate Investing with High-Interest Rates

Show Description: John Burley is one of the most experienced real estate expert, educator, and private equity founder in the US. With 35+ years of investing experience and thousands of (personally) completed real estate deals, hundreds of millions of dollars raised, John Burley has the perfect mix of street-savvy knowledge and sound investing principles. His Bio: BIO LINK Your Personal Bank can help you enhance real estate investing. You can lower your cost of borrowing. You can also operate similar to a bank and earn positive cash flow on your money. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Truth in Accounting is a non-partisan and non-political government accounting watchdog organization. Truth in Accounting focuses on education to empower citizens. I interviewed Sheila Wienburg, Founder and CEO. Sheila shares some valuable and sobering info regarding government spending. Three major points Sheila shared: 1. Our federal government has promised nearly $1,000,000 in benefits per taxpayer. Not only does the government not have the money or a plan to provide these benefits, they have record debt. Politicians promise benefits to gain votes without the pain of how to pay for the benefits. 2. In 2022 the federal government received about $4T in revenues and spent about $7T. Nearly $1T was on interest on the debt. The interest is increasing at an unsustainable rate. This reduces benefits the government can provide. 3. The solution is educating the citizens. If a politician promises benefits, demand from them how they plan to pay for the benefits. Support and vote for politicians who are serious about fiscal responsibility. Your Personal Bank can help you thrive thru the economic storm is likely coming. You can eliminate market risk, reduce taxes, and earn positive cash flow on money you spend. This will increase the amount of money you will have available to live on. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Avery Chi shares her personal story of her dream to become a US citizen. Avery is a Chinese national who dreamed of coming to the United States ever since she was young. She was able to obtain a student visa in 2014 to earn her Master's Degree. She then obtained a job in the IT industry.    A company sponsors the employee for them to obtain a H1 work visa. The company is in control regarding processing the paperwork to obtain citizenship. Avery has been told an individual cannot initiate citizenship via the work visa program.    Avery's company gave her the expectation that they would process her citizenship, but gave no time frame. After six years of employment, the company finally started her citizenship application, then laid her off.    She now has 60 days to find another employer to sponsor her, or she will be forced to return to China.   Avery has lived in the United States for the past 9 years, her entire adult life. She loves this country and the opportunities it provides. She has been a productive member of society and wants to continue, eventually as a citizen. This is her American dream. Avery is exactly the type of person we want to immigrate to the United States.   Avery has attempted to do the right thing for 9 years and has been punished for it, while others are entering illegally and are being rewarded for it.   The US Immigration system is broken. Allowing people to enter this country without even knowing their name or purpose is unacceptable! Companies benefiting from highly educated cheap labor by dangling the citizenship carrot, stringing them along, then pulling the rug from them is also unacceptable.   Despite our problems, the United States is still a better place to live with more opportunities than most of the world. We could have the pick of the litter and choose the best and the brightest. That is what built this amazing country. America, and the world, is better because of immigrants like Elon Musk.   American citizens should demand our local, state, and federal governments enforce the law and stop illegal immigration. American citizens should demand anyone who came illegally to be deported and not allowed to return. American citizens should demand reforms to legal immigration to favor the best and the brightest and not allow companies to take advantage of people.   Any representative that allows the current immigration situation to continue needs to be voted out of office. The system only continues because those in charge benefit from the status quo. Let's send a message loud and clear to those in charge that America does not stand for taking advantage of people!   Until the current immigration system is fixed, crime will continue to rise, wages will continue to be depressed, especially for lower income earners, and inflation will continue to rise.   What can you do financially? Reduce debt. Protect your money from risk. Reduce your future tax liability. Ensure your money is liquid to take advantage of opportunities. Make positive cash flow on money you spend so it goes farther. Your Personal Bank does all these things.   Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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The Biden administration is doing everything in their power to take more power and control while making our lives more difficult. I have been an optimist my entire life. When it came to our government I used to think that would never happen, then it did. I then changed to, nothing surprises me. Then, whatever I considered the worst case scenario that is what I expected. Now, I expect the truth to be something worse than my worst fears.   All the leading economic indicators are predicting a recession. The Biden administration continues to attack energy supply at every level. They have shut down pipelines, canceled oil and gas leases, closed millions of acres to energy development, and are holding up dozens of key energy projects with red tape. This will increase fuel prices in the short term.    Inflation has ticked up again recently. Unfortunately, I believe our economy will get worse before it gets better. The policies of the next administration could alleviate much of the economic woes or significantly help improve things.   Our freedoms are also constantly under attack. Democracy can only last with an educated electorate.   The solution is clear. Will enough people stop voting for policies that are detrimental to themselves and all of us or will they vote for representatives that will reduce government interference and spending?   I wish I knew the answer. I honestly believe it could easily go either way. Education is the solution.   What can you do financially? Reduce debt. Protect your money from risk. Reduce your future tax liability. Ensure your money is liquid to take advantage of opportunities. Make positive cash flow on money you spend so it goes farther. Your Personal Bank does all these things.   Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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The Biden administration has cancelled oil and gas leases, banned natural gas transportation by train, and is instituting stringent restrictions on large trucks. These policies will increase energy prices. This will further increase the cost to manufacture and transport nearly every product Americans purchase. This will further increase inflation for much longer than most people realize. The only solution at this time appears to be removal of the current administration. Hopefully, it will get bad enough that the majority of American voters will wake up and vote for the candidate that will reverse these policies and return us to low cost energy. Abundant, low cost, and reliable energy is what separates first world economies from third world economies. It is a primary driver of economic prosperity. Higher energy costs hurts the poor and middle class the most. If you are in favor of higher energy costs so more green energy can be competitive you are anti-poor. Full period. Stop. We will likely face higher interest rates and inflation for longer due to these policies. If the next administration reverses these and other policies that impeded economic activity, things will likely get better. Unfortunately, our economy will like suffer for the next couple of years before things get better. If these polices are allowed to continue for another four years, expect the economy to get much worse. Economic changes will create opportunities. Reducing risk, reducing taxes, and staying highly liquid will allow you to be nimble with your funds. Your Personal Bank funds are interest rate sensitive. Dividends will likely increase for the next 3-5 years+. They are also guaranteed, highly liquid, and tax-free. This provides options and allows you to weather economic storms and to take advantage of opportunities. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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America has been an Oligarchy pretending to be a democracy for decades.                                     - What is an Oligarchy? A few people in power in control of the majority.                                 - Who is in the ruling class? Media, Big Business, Elite Colleges, Ultra-Weathy, Government (include members of both political parties, most Democrats and RINOS)                      - Whenever you hear someone from ruling class/elite/insider “threat to our democracy” they mean "threat to our oligarchy"

-  Their goal is to maintain power.

- They emphasize our differences because they want to divide people and have us blame "the other side" for our problems

- While the people are distracted with "the other side" the ruling class continues to gain more power and money without notice

This is why most Americans believe our country is headed in the wrong direction. There are so many selfish people in the ruling class, focused on enriching themselves rather than                                            rather than improving society. If our country continues the current path we are headed towards decline and chaos, including economic chaos.                               Due to the fact that the United States has been so strong economically for decades, I believe the process will take time. This means there is still time to course correct.                                The encouraging news is many people are waking up to the fact that they do not want to live in a 3rd world country or under government control. They like the constitution, the rule of law,                                   and the freedoms we have been blessed with for over 200 years.                              What can you do to protect yourself financially? Regardless of direction, I believe our country will face some economic pain in the near future. Social Security and Medicare will have                                         shortfalls in a few years. The massive government debt will cause issues for decades.                              Economic changes will create opportunities. Reducing risk, reducing taxes, and staying highly liquid will allow you to be nimble with your funds.   Your Personal Bank funds are guaranteed, highly liquid, and tax-free. This provides options and allows you to weather economic storms and to take advantage of opportunities.   Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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The Maui fire disaster is another example of government incompetence. Mask mandates, excess government spending, and high debt are other recent examples of government incompetence. Do you trust the current government officials to handle the next disaster? Based on previous experience, they are likely to make it worse. Nearly every leading economic indicator is predicting a hard recession. Ignore them at your peril. Protect your money, reduce market risk, reduce your tax liability, make more on your money by creating positive arbitrage.  Your Personal Bank funds are guaranteed, highly liquid, and tax-free. This provides options and allows you to weather economic storms and to take advantage of opportunities. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Record levels of Government Spending are likely to cause Hyper-Inflation or Deflation. The record levels of debt are uncharted territory economically. It is impossible to predict what will actually happen.    With economic uncertainty the best thing to do with your money is to stay nimble. Keeping your money safe from market risk, highly liquid, and free from penalties or taxes will allow you to take advantage of opportunities. Winners and losers are created with extreme economic situations regardless of direction.    Your Personal Bank funds are guaranteed, highly liquid, and tax-free. This provides options and allows you to stay nimble with your money to take advantage of opportunities.   Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Show Description: China's economy is experiencing deflation. Prices are dropping on food, consumer products, and commodities. The causes for the price drops include housing value downturn, lower exports, and high unemployment. China's government pursued aggressive economic stimulus after the COVID lockdowns. This has caused a higher debt burden to GDP than the United States. China is not an example to follow, but a warning of what not to do economically. Central planners typically think they can control economic cycles. Economic cycles are affected by many more factors than a small group of economists or government officials can understand. They are not able to control cycles. They can only delay the inevitable. The longer you delay a correction, the worse the result. It is like trying to hold a beach ball underwater. You may be able to for a while, but eventually you will get tired and it will rush to the surface, often violently. Economic recessions are healthy for an economy. They wash out the excesses. The best thing the government could do is get out of the way and allow the free market to correct the extreme ranges. Until then, we will swing wildly from one end of the spectrum economically to the other. Staying nimble to take advantage of opportunities is one of the best things you can do with your money through economic swings. You want to be able to quickly access your money without taking market losses, taxes, or penalties. When bad economic news hits, the stock market often reacts too quickly to avoid losses. Having some of your money guaranteed and liquid protects you from the volatility. Your Personal Bank is highly liquid, provides guarantees, and can be accessed income tax-free. This gives you the ability to quickly take advantage of opportunities when they present themselves. Contact Ferenc at YourPersonBank.com or 866-268-4422 for more info.

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Fitch Ratings recently downgraded the US credit rating from AAA to AA+. Fitch stated the reasons for the downgrade included an "erosion of governance" on fiscal and debt matters, rising government deficits, and total government increase in debts. Fitch also expects a recession in late 2023 and ealy 2023. A lower credit rating equals higher borrowing costs. The federal government debt is currently over $32 trillion. The debt is about 113% of gross domestic product (GDP). Gross Domestic Product is the monetary value of all goods and services produced. In other words, the debt owed is more than the entire country produces in a year. If you or your business owed more than your gross annual income, you would not be in a strong financial position. The average company with a AAA credit rating owes less than 40% of their gross annual income. The US federal debt owed per taxpayer is over $250,000, according to usdebtclock.org. The average taxpayer in the US earns about $60,000 gross annual income, according to the IRS. Assuming no further increase or interest charges, it would take over 4 years to pay off the federal debt if every taxpayer contributed all of their gross annual income. This level of debt clearly is unsustainable and detrimental to future economic activity. The long-term solution is to educate enough Americans to vote for representatives that will take fiscal responsibility seriously. Failure to do so will result in increasingly negative economic consequences. The US credit rating downgrade will increase the interest rates the government will have to pay. Due to the massive size of the debt, most borrowing costs will increase. This will cause higher interest rates. The best things financially you can do until fiscal sanity returns to the government is: 1. Do not pay off low interest rate debt early - low borrowing costs are unlikely to return in the near future 2. Reduce/and or eliminate any high interest debt 3. Create a tax-free bucket of money - as interest costs increase, the government will be pressured to increase tax revenues to pay the interest 3. Invest in assets that are interest rate sensitive (ei: bank savings, CD'd, bonds, dividend assets) Your Personal Bank is an interest rate sensitive asset that grows and can be accessed on a tax-free basis with guarantees. Returns are expected to increase for the next several years due to the increased interest rates. Contact Ferenc at YourPersonalBank.com or 866-268-4422 for more info.

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Ferenc shares an inspiring message about the future of the country. Things will likely get worse before they get better, but there is legitimate hope for the future. Listen and find out why.

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7.10.23 John Burley Interview: Real Estate Expert, Educator, and Private Equity Company Founder"

With 35+ years of investing experience and thousands of
(personally) completed real estate deals, hundreds of
millions of dollars raised, John Burley has the perfect mix of
street-savvy knowledge and sound investing principles.
John is a Pioneer in the Real Estate Investment Business,
originally trained in the World of Wall St., in 1989 he left and
founded his Private Equity Company, where he serves today
as the Founder & CEO. It is a leader in the industry, with
holdings from multiple countries and a dozen different
states. His was among the first ever companies to bring
Single Family Home (SFH) Portfolio Real Estate to the

Private Equity Community.
John is as an International #1 Best Seller with over One Million Copies Sold. His books include:
Money Secrets of the Rich and Powerful Changes. He has also produced over 100 books and
audio programs during his career.
Because John is a Professional Investor, he makes his living actually DOING deals and not just
teaching theory from the stage. The bottom line is: John walks his talk. For this reason, John is
only available to speak at a few events per year, his last event for 2019 is November 1-3.
John greatly looks forward to sharing with you what you need to take your Real Estate Investing
Business to the next level.

John Burley Real Estate Investor’s Training
At the Event You will Learn:

• How to Get Paid $10,000.00 UPFRONT on Every RE Deal
• How Wall St. Makes so Much Money and You Can Too
• The Exact, Perfectly Laid Out Presentation that John and his Students have used to Raise Tens of Billions of Dollars
• How to Get all the Money You Ever Wanted for RE Deals
• How to Fix the Broken Real Estate Model
• How to Raise Money Right Now for All the Deals You Want
• Know Who to Contact for the Highest Levels of Conversion
• Learn the "Talking Points" that are the KEY to Success
• Present Your Offer Like a "PRO"
• Understand that if you are Talking about "Real Estate" or the "Rate of Return you are "SCREWED"
• How You Can Literally Do Hundreds of Property Deals
• The Private Equity Model, How to Have Your Own Real Estate Empire
• Put your Profits to Work to set Yourself Free
• How You Can Literally Do Hundreds of Property Deals
• Bring Together More Money, More Deals for You
• Why MONEY is What Real Estate is Really all About
• How to Raise all the Money you will Ever Need
• How to Get Paid $10,000.00 UPFRONT on Every Deal you Do
• The Private Equity Model, How to Have Your Own Real Estate Empire
• How John and His Students are Making over $200,000 on each and every Deal and you can too
• How to Leave Small-Time and Build a "Real Business"
• The Difference Between JV and Security Offerings such as 504, 505, 506
• Real Estate - Cash Flow & Growth - The Dream Investment
• Finding the Great "Off-Market" Deals
• How to Buy Real Estate without your own Money, or Even Credit
• Where and How to Find Off-Market Deals
• Subject 2, Mirror Wraps, Owner Financing, Lease Options
• Plus, Much, Much More

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Congress gave themselves unlimted debt limit of rthe next two years

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Is Your Money in the Bank Safe?

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"Common Questions in Your Personal Bank Initial Consultations".

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spot#7723 not generated

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"Banks Are Failing, What Should You Do?"

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"Your Social Security Benefits will be Reduced unless Congress Addresses the Problem. Do You have a Plan to Make Up the Difference in Lost Income?"

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"Assets that Thrive in an High Interest Rate Economy without Market Risk"

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"Inflation Remains High, Housing Values Dropping, and Social Security Benefits Will Likely be Reduced: What to Do

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2.21.23 "The Recent Economic Data Shows Inflation Higher than Expected, Higher Interest Rates for Longer Likely"

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"The Government has a Spending Problem. Let's Defund the Bureaucracy" 

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"Disposable Income Suffers Largest Drop Since 1932"

"GDP Report Reveals Ominous Great Depression Warning Sign" https://www.foxbusiness.com/markets/gdp-report-reveals-ominous-great-depression-warning-sign-1932

"Inflation is Slowing but Grocery Prices Anticipated to Remain High in 2023" https://www.dailywire.com/news/inflation-is-slowing-but-grocery-prices-anticipated-to-remain-high-in-2023

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1.17.23 "Updated Economic Data. How It Will Likely Affect the 2023 Economy"

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"What is Your Personal Bank?

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@markasher32 talks with Dave Jenkins @ConservStewards about South West Gas  rate hikes.  @ZTejas Is out restaurant of the week. Laine Schonebergergives a great investment idea crosstalk with Steve Jurich @Mastering_Money #naturalgas #rates #food #tacos #invest #retiremnet #annuities  

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"What to Expect for 2023 and Beyond"

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"Year-End Message for Everyone"

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"Recent Encouraging Developments and 2023 Economic Concerns" #income #retirement 

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"How to Positive Arbitrage thru 2023 with Your Personal Bank"

#invest #retirement

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"Impact of Federal Reserve Rate Increases thru Next Year"

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"Election Clarification and New Product with Positive Arbitrage with Current Interest Rates" #elections #rates #retirement 

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"The Mid-Term Elections are Over, Now What?"

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"What is Your Personal Bank with Updated Info"

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"Economic Repercussions of the Mid-Term Election"

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"Key Points Regarding the Midterm Elections" 

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10.18.22 - John Burley Interview - Real Estate Expert

With 35+ years of investing experience and thousands of
(personally) completed real estate deals, hundreds of
millions of dollars raised, John Burley has the perfect mix of
street-savvy knowledge and sound investing principles.
John is a Pioneer in the Real Estate Investment Business,
originally trained in the World of Wall St., in 1989 he left and
founded his Private Equity Company, where he serves today
as the Founder & CEO. It is a leader in the industry, with
holdings from multiple countries and a dozen different
states. His was among the first ever companies to bring
Single Family Home (SFH) Portfolio Real Estate to the

Private Equity Community.
John is as an International #1 Best Seller with over One Million Copies Sold. His books include:
Money Secrets of the Rich and Powerful Changes. He has also produced over 100 books and
audio programs during his career.
Because John is a Professional Investor, he makes his living actually DOING deals and not just
teaching theory from the stage. The bottom line is: John walks his talk. For this reason, John is
only available to speak at a few events per year, his last event for 2019 is November 1-3.
John greatly looks forward to sharing with you what you need to take your Real Estate Investing
Business to the next level.

John Burley Real Estate Investor’s Training
At the Event You will Learn:

• How to Get Paid $10,000.00 UPFRONT on Every RE Deal
• How Wall St. Makes so Much Money and You Can Too
• The Exact, Perfectly Laid Out Presentation that John and his Students have used to Raise Tens of Billions of Dollars
• How to Get all the Money You Ever Wanted for RE Deals
• How to Fix the Broken Real Estate Model
• How to Raise Money Right Now for All the Deals You Want
• Know Who to Contact for the Highest Levels of Conversion
• Learn the "Talking Points" that are the KEY to Success
• Present Your Offer Like a "PRO"
• Understand that if you are Talking about "Real Estate" or the "Rate of Return you are "SCREWED"
• How You Can Literally Do Hundreds of Property Deals
• The Private Equity Model, How to Have Your Own Real Estate Empire
• Put your Profits to Work to set Yourself Free
• How You Can Literally Do Hundreds of Property Deals
• Bring Together More Money, More Deals for You
• Why MONEY is What Real Estate is Really all About
• How to Raise all the Money you will Ever Need
• How to Get Paid $10,000.00 UPFRONT on Every Deal you Do
• The Private Equity Model, How to Have Your Own Real Estate Empire
• How John and His Students are Making over $200,000 on each and every Deal and you can too
• How to Leave Small-Time and Build a "Real Business"
• The Difference Between JV and Security Offerings such as 504, 505, 506
• Real Estate - Cash Flow & Growth - The Dream Investment
• Finding the Great "Off-Market" Deals
• How to Buy Real Estate without your own Money, or Even Credit
• Where and How to Find Off-Market Deals
• Subject 2, Mirror Wraps, Owner Financing, Lease Options
• Plus, Much, Much More

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"The Recession Will Likely Get Worse Before it Gets Better"

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"The Fiscal Warning Lights are Flashing! Will We Ignore It?

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"Why Would an Insurance Company Pay You More in Dividends than Charge You in Interest?"

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"Living Benefits, Real-Life Example and Higher Expected Dividends"

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"What the Federal Reserve Plans To Do and How It Affects Your Investing"

Suggested Article - Recession Warning: Buckle Up For Fed's Hard Landing For U.S. Economy, Dow Jones

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The Economy Has Changed, How to Adjust and Take Advantage of Future Opportunities

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The Inflation Reduction Law Increases Taxes on Everyone, How to Create a Tax-Free Bucket of Money thru Your Personal Bank"

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"The FBI Interfered with another Election and just Re-Elected Trump

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"We Are Officially in a Recession, Despite What the Current Administration is Trying to Tell Us"

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7.12.22 - John Burley Interview – Professional Real Estate Investor, Private Equity Company Founder, and Best-Selling Author

With 35+ years of investing experience and thousands of
(personally) completed real estate deals, hundreds of
millions of dollars raised, John Burley has the perfect mix of
street-savvy knowledge and sound investing principles.
John is a Pioneer in the Real Estate Investment Business,
originally trained in the World of Wall St., in 1989 he left and
founded his Private Equity Company, where he serves today
as the Founder & CEO. It is a leader in the industry, with
holdings from multiple countries and a dozen different
states. His was among the first ever companies to bring
Single Family Home (SFH) Portfolio Real Estate to the

Private Equity Community.
John is as an International #1 Best Seller with over One Million Copies Sold. His books include:
Money Secrets of the Rich and Powerful Changes. He has also produced over 100 books and
audio programs during his career.
Because John is a Professional Investor, he makes his living actually DOING deals and not just
teaching theory from the stage. The bottom line is: John walks his talk. For this reason, John is
only available to speak at a few events per year, his last event for 2019 is November 1-3.
John greatly looks forward to sharing with you what you need to take your Real Estate Investing
Business to the next level.

John Burley Real Estate Investor’s Training
At the Event You will Learn:

• How to Get Paid $10,000.00 UPFRONT on Every RE Deal
• How Wall St. Makes so Much Money and You Can Too
• The Exact, Perfectly Laid Out Presentation that John and his Students have used to Raise Tens of Billions of Dollars
• How to Get all the Money You Ever Wanted for RE Deals
• How to Fix the Broken Real Estate Model
• How to Raise Money Right Now for All the Deals You Want
• Know Who to Contact for the Highest Levels of Conversion
• Learn the "Talking Points" that are the KEY to Success
• Present Your Offer Like a "PRO"
• Understand that if you are Talking about "Real Estate" or the "Rate of Return you are "SCREWED"
• How You Can Literally Do Hundreds of Property Deals
• The Private Equity Model, How to Have Your Own Real Estate Empire
• Put your Profits to Work to set Yourself Free
• How You Can Literally Do Hundreds of Property Deals
• Bring Together More Money, More Deals for You
• Why MONEY is What Real Estate is Really all About
• How to Raise all the Money you will Ever Need
• How to Get Paid $10,000.00 UPFRONT on Every Deal you Do
• The Private Equity Model, How to Have Your Own Real Estate Empire
• How John and His Students are Making over $200,000 on each and every Deal and you can too
• How to Leave Small-Time and Build a "Real Business"
• The Difference Between JV and Security Offerings such as 504, 505, 506
• Real Estate - Cash Flow & Growth - The Dream Investment
• Finding the Great "Off-Market" Deals
• How to Buy Real Estate without your own Money, or Even Credit
• Where and How to Find Off-Market Deals
• Subject 2, Mirror Wraps, Owner Financing, Lease Options
• Plus, Much, Much More

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How Financial Suspicious Activity Reports at the Highest Levels of Government Affect Our Economy"

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7.5.22 - Your Personal Bank - What to Expect with Increasing Interest Rates

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7.3.22 - The Supreme Court Restricts the Federal Bureaucracy, What This Means for Our Freedom

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6.28.22 - 3 Landmark Supreme Court Decisions - How They Will Affect Our Freedoms

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Laine Schoneberger

Managing Partner & Chief Investment Officer

Laine has 25 years’ experience in the financial services industry. Laine sold his first business entering the family-owned financial services business in 1995. After growing the company significantly, he elected to retire in 2017 and focus his efforts on Yrefy as a Founding Partner and the Chief Investment Officer.

Through an initial Regulation D “friends and family” offering, Yrefy found its footing and the company was launched (as of 1/1/2021, this offering is still open and available).

Since 2017, Laine and his team have raised nearly $15M in investment capital through several Regulation D Private Placement Offers for Yrefy Student Loan Portfolios (SLP’s).

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6.12.22 - 3 Options to Invest During High Inflation with Strong Returns and Safety

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6.5.22 - More Excuses from Our Government & How It Will Affect Our Economy

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5.31.22 - Why the Second Amendment is Key to Our Freedoms, Including Economic Freedom

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5.22.22 - The Economy Will Likely Get Worse Before It Gets Better, How to Get Thru This

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5.17.22 - Offset Inflation by Safely Leveraging Bank Money to Increase Returns

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5.3.22 - Safely Leverage Bank Money to Multiply Returns

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4.29.22 - How to Use Bank Money to Safely Leverage Your Money to Increase Returns

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4.26.22 - Why Elon Musk's Effort to Buy Twitter is So Important

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4.15.22 - More Inflation Challenges and Solutions

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4.12.22 - How to Thrive Thru High Inflation

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4.8.22 - "Recent Events that are Encouraging for Most Americans"

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4.5.22 - "How to Thrive Thru High Inflation"

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3.29.22 - John Burley Interview

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4.1.22 - "High Inflation: How Long Will It Realistically Last?"

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3.25.22 - "How Our Current Energy Policy Created and is Increasing Inflation"

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3.18.22 - "How Our Representatives Not Representing Us Lead to Record Inflation"

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3.11.22 - "How the Ukrainian War Will Affect Our Economy"

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3.8.22 - How to Create Positive Arbitrage Thru Transactions

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3.4.22 - Ferenc Personal COVID Journey and Thoughts

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2.11.22 - Bob Wheeler

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2.4.22 - Laquore Meadows - from Poverty to Ph.D. to Stock Trader

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2.1.22 - How to Safely Increase Return on Assets with High Inflation

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1.28.22 - Preserving Our Rights as Citizens - Huge Wins!

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1.25.22 - Typical Client Situation Example

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1.21.22 - Current Economic Situation - What to Expect

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1.18.22 - Blake Masters, Candidate for US Senate from AZ Interview

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1.14.22 - Two Things We Each Need to Do in 2022

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1.4.22 - Wheel of Life to Increase Success and Happiness

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12.31.21 - Final Thoughts for 2021 and What to Expect in 2022

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12.28.21 - Exciting Upcoming Events and My Personal Christmas Story

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12.24.21 - Christmas Presents for Fiscally responsible Americans

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12.21.21 - Year-End Thoughts and How You Can Make a Better 2022!

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12.17.21 - Recent Big Wins for Freedom-Loving Americans, What is Next

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12.14.21 - Your Personal Bank - Recent Questions from Prospective and New Clients

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12.10.21 - Government Temporarily Extended Funding - How It Affects You

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12.3.21 - What the Great Reawakening of Freedom-Loving People Will Mean for Our Country

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11.30.21 - What You Can Do to Protect Your Freedoms, Including Your Financial Freedom

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11.26.21 - Financial Responsibility, Why it is Important for Our Country

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11.23.21 - What is Your Personal Bank? How It Creates Positive Arbitrage

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11.19.21 - How Inflation Will Affect Your Money and Investments

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11.16.21 - Richard Goldberg Interview: Experienced Financial Advisor Who Discovered the Power of Your Personal Bank

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11.12.21 - Recent Election Results - What to Expect this Next Year

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11.9.21 - Federal Reserve Tapering - How It Will Affect Asset Values, Interest Rates, and Inflation

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11.5.21 - Proposals to End Our Financial Freedoms, What We Can Do to Prevent These

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11.2.21 - Proposal Requiring Banks to Report Transactions to the IRS: What We the People Did to Stop It

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10.29.21 - Our Economy is Changing, What to Do with Your Money

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10.26.21 - Government Proposals That Will Affect Our Finances, How to Protect Yourself

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10.5.21 - Recent and Proposed Government Spending - How it Affects Us and How to Navigate

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10.1.21 - What You Can Do Now to Protect Our Freedoms

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9.28.21 - How to Maximize Cash Growth and Create Positive Arbitrage on an Existing Policy

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9.24.21 - How to Navigate the Uncertain Financial Future of the US

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9.21.21 - Several Strategies to Enhance Financial Results Using Your Personal Bank

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Article: Joe Manchin Why I Won’t Support Spending Another $3.5 Trillion - WSJ

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9.10.21 - Our Freedoms Give Us the Ability to Earn, Grow, and Pass On Our Money

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9.3.21 - How to Create Positive Arbitrage without Liquid Funds

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8.31.21 - Plan for an Uncertain Future

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8.27.21 - What is Next?

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8.24.21 - The Effects of Bad Leadership

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8.20.21 - The Current Federal Leadership is Not Your Friend if You Are Fiscally Responsible

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8.17.21 - Historic Inflation Numbers and Federal Spending - How Your Personal Bank Can Protect You

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8.13.21 - What is Next? Inflation?

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8.10.21 - Government Attacks Private Property Rights, What to Do

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8.6.21 - How to Gain Control of Your Money with Higher Inflation and Taxes

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8.3.21 - Should You Pay Back Loans and/or Interest? What if the Insurance Company Fails?

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7.9.21 - Economic Freedoms, Why They Are Important

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7.6.21 - Advice from Those Not Qualified to Give It

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7.2.21 - Life, Liberty, and the Pursuit of Happiness includes Economic Freedom

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6.29.21 - Inflation is Here, What to Do

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6.25.21 - What is Your Personal Bank? How Does It Work?

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6.22.21 - John Trahms interview

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6.18.21 - John Wartemberg Interview – Former Chicago Mercantile Exchange Trader, High-Frequency Trader, and Entrepreneur

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6.11.21 - Take Control of Your Money, Gain Positive Arbitrage, Reduce Taxes - It's a Patriotic Act

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6.8.21 - Recent Interesting Your Personal Bank Cases

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6.4.21 - The Real Cost of Relying on Government Support

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6.1.21 - New Bank! Lower Interest Rate, Higher Cash Access, and More Positive Arbitrage!

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5.28.21 - Top 3 Concerns: Inflation, Taxes, and Market Risk - How Your Personal Bank Mitigates All Three

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5.25.21 - Gary MacDermid Interview – Naval Officer, Nuclear Engineer, and Real Estate Investor

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5.21.21 - Leadership: How It Affects Our Society and Economy

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5.18.21 - Inflation is Here, What To Do

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5.14.21 - Message of Encouragement to Freedom-Loving Americans

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5.11.21 - Warning! Higher Inflation and Taxes! Reduce Risk, Tax Liability, and Diversify

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5.07.21 - Opportunity Society vs. Dependent Society

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5.04.21 - Your Personal Bank, How It Works and Common Questions

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4.30.21 - Why I Am More Encouraged

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4.27.21 - Higher Taxes Ahead, What to Do

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4.23.21 - Take Control of Your Money: Become More Self-Reliant

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4.20.21 - Your Personal Bank - Actual Client Examples

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4.16.21 - Take Control of Your Life and Money, Stand Up to Bullies

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4.12.21 - Your Personal Bank: Common Questions and Misconceptions

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4.8.21 - Lack of Fiscal Responsibility Will Affect Our Money

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4.6.21 - How Will Big Government Affect Our Money?

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4.1.21 – Planning for Higher Taxes and Inflation

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3.30.21 – Your Personal Bank. How Does It Work?

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3.25.21 - Higher Taxes Ahead, What to Do

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3.23.21 - If It Sounds Too Good To Be True, It Probably Is

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3.18.21 – Threats to Our Financial Future Due to Government Fiscal Recklessness

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3.11.21 - Attacks on Free Speech Pushback

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3.9.21 - Financial Threats to Our Freedom

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3.4.21 - Freedom of Speech Attack Pushback and Founding Fathers Prophetic Warnings

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3.2.21 – What is in the Coronavirus Stimulus Bill?

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2.25.21 – Create More Options for Your Money

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2.23.21 – I Don’t Understand Why…

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2.18.21 – There is More Than One Way to Build Wealth

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2.16.21 – How the GameStop Saga May Affect the Future of Investing

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2.11.21 – Additional Economic Impact of Biden Administration

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2.9.21 - How Does the GameStop Situation Affect the Markets and Our Money?

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2.4.21 – Don’t Feel Comfortable Investing in the Stock Market? It’s OK, Alternatives with Less Risk to Build Wealth.

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2.2.21 - Initial Economic Impact of Biden's Executive Orders

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1.19.21: What Is Your Personal Bank? How Does It Work?

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1.14.21: Your Personal Bank vs. Annuities or Fixed Income

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1.12.21: Current State of Our Country and How It Affects Our Money